davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

There was a collection placed on my credit. I have contacted this company which they are not understanding at all. Due to COVID-19 these companies are trying to collect debt thats not owe to them. I do not have a contract with me and XXXX. This is a third party vendor and not the original owner. No information was verified nor did I even receive anything from anyone regarding this. Ive told them I want this remove and I cant wait 60 days. Because I never received anything from anyone regard this acct XXXX.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2020-09-28
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: KEYCORP (IN)

A fraudulent transaction was performed on my card from a XXXX, Texas IP address. 
I live in Indiana. I immediately reached out to the merchant and the bank to file a dispute. I was informed this morning by KeyBenefits, after waiting on hold for 2.5 hours, that I would have to wait 15 days or more to have the funds returned to me. For someone who is unemployed through no fault of my own ( COVID ) and needs to feed their family. Its frustrating and unacceptable. This hacker removed almost {$300.00} from my benefit card.
Consumer complaint received 2016-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

I would like to voice a complaint against XXXX XXXX/Navient. This is in regard to a private loan for {$25000.00} to attend a XXXX called XXXX XXXX in XXXX XXXX, Michigan. XXXX XXXX was in the XXXX Bank building. I heard the ads for XXXX XXXX on the radio. This happened in XXXX. I 'm not sure if XXXX is still open or not. Their ads are not on the radio anymore. I did some research in XXXX and XXXX and discovered that XXXX XXXX was mentioned at XXXX websites : XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ) for being an money-making scam. XXXX XXXX was also mentioned at these XXXX sites as the lender. I then discovered that XXXX XXXX changed their name to Navient and XXXX changed its name to XXXX XXXX. Then I did a search on legal action against XXXX XXXX/Navient and found a report, in the form of a PDF file, from the XXXX XXXX XXXX XXXX. It is titled " The XXXX XXXX Saga : A Government-Created, Student Debt Fueled Profit Machine. '' Right now, it is hurting my household budget. Even though I 've been making the payments, they are not on the due date because of other payments I have to make. The monthly payments are between {$220.00} to {$220.00} per month. I also never found an IT job after completing XXXX.
Consumer complaint received 2022-11-04
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 (OH)

I have {$2500.00} in my venmo account and it's frozen and they're trying to tell me that the account specialist are working on it but the only way to contact them is via email nobody ever answers something isn't right
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (UT)

I filed a dispute with the company. They sent me a response through mail to the dispute. I responded with a debt verification letter that was received by the company within 30 days from the letter they sent me. I asked for proof that they are registered in the state they say they say the debt happened it. They have yet to reply to that letter or with the proof they are registered in Nevada.
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX ( XXXX, Tx ) and they used Santander Consumer USA for financing ; and still have an $ XXXX balance on the account as of today XX/XX/XXXX. So far today, I have paid a total cash payments of {$31000.00} on a {$22000.00} loan. The total {$22000.00} of the {$31000.00} cash payments has gone to interest only and is still showing a balance of {$11000.00} on the account. The interest rate is showing to be 18 %. I have asked for help to resolve this matter in help reducing the interest rate and showing how each payment is applied to my account if the interest is calculated per diem. Instead Santander sends out letters to accelerate my account due the struggles of paying for my auto. I believe Santander Consumer are demonstrating unethical practices and with the recent {$550.00} Million Settlement over alleged deceptive auto loan practices does not surprise me not one bit.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

XX/XX/XXXX - Created an ad on XXXX XX/XX/XXXX XXXX XXXX  ad presented publicly on the website XX/XX/XXXX - Text message from number XXXX exchanged about the vehicle sale [ see attached ] XX/XX/XXXX - Text messages from number XXXX exchanged about the vehicle cost [ see attached ] XX/XX/XXXX - A USPS priority mail envelope containing a certified XXXX check for $ XXXX delivered to my home address XX/XX/XXXX - Deposited $ XXXX certified XXXX check to my PNC account XX/XX/XXXX - PNC Authorizes a $ XXXX domestic transfer for vehicle transport fee [ see attached XXXX ] XX/XX/XXXX - PNC text notification determines fraudulent $ XXXX check. 

XX/XX/XXXX - Spoke to the Loss/Stolen Card Department representative who froze my account XX/XX/XXXX - Text message received from fraudulent source demanding explanation for stop payment [ see attached text chain ] XX/XX/XXXX - Reported fraud to PNC bank manager and a representative. 
Both confirmed an internal bank investigation and the freezing my account. They suspended my customer services suggested that I report the fraud to the XXXX Police Department. 

XX/XX/XXXX - I filed a police report in XXXX [ see attached ] XX/XX/XXXX - Cancelled my work direct deposit as well as automatic withdrawals with PNC XX/XX/XXXX - Counseled with XXXX in the XXXX XXXX XXXX Department XX/XX/XXXX - XXXX PNC text demands I pay $ XXXX to them [ see attached ] XX/XX/XXXX - XXXX ( in-person ) Counseled with XXXX at the XXXX XXXX NJ XXXX XXXX. She inspected the envelope and shipping label. 
Declares the label a fake. Refers me to the NJ XXXX XXXX XXXX. 

XX/XX/XXXX - XXXX Counseled with XXXX in Consumer Affairs NJ Attorney General 's Office . He recommends a criminal lawyer as bank theft is not consumer related. 
Advises filing with the Federal Trade Commission, Consumer Financial Protection Bureau and the NJ Department of Banking and Insurance. 

XX/XX/XXXX - XXXX Called and counseled with NJ XXXX XXXX XXXX XXXX 
Counselor recommends return to bank. That, as the envelope was most likely not officially mailed, the fraud issue lies with the bank. 

XX/XX/XXXX - XXXX Called and counseled with XXXX in the Consumer Financial Protection Bureau XXXX Told me to file a complaint on-line with her office and to file with the police. That the FBI should be notified. Report where the fake certified check came from with the Federal Trade Commission. 

XX/XX/XXXX - XXXX Called and counseled with Consumer Support at XXXX. They request screenshots and emails from the fraudulent buyer so that they can block /discontinue the false activity from their end XX/XX/XXXX - XXXX Updated Police Report to file # XXXX with XXXXXXXX XXXX on at the XXXX Police Department XX/XX/XXXX - XXXX XXXX. XXXX from XXXX Police Dept. 
leaves a voice message on my number requesting follow-up XX/XX/XXXX - PNC correspondence postmarked XX/XX/XXXX, & XXXX, XXXX delivered to my home address [ see attached ]
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

I can't sleep anymore. I was up all night, finally fell asleep around XXXX. dreamt about XXXX. woke up extremely agitated. layed in bed until XXXX. asked XXXX XXXX a question about XXXX, and within XXXX minutes it was giving me numbers to call for disturbed people. I don't feel comfortable walking through my house. I'm constantly looking outside to see if the home invaders are looking back at me through the windows. My grandmother doesn't even remember the situation, but I erupted into a fit of rage when they came back yesterday, and I can see that she knows something is wrong. I'm worried about the effect it has on her health...
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

i have been trying all day on XXXX XXXX XXXX to update my status it kept saying we are having technical problems i called the number same thing i even did it to the other 2 credit companies i put a freeze and fraud alert on my account im still getting companies i have not looked at on my credit report i tried the experian boost and my bank and bills names where not on the list it said i can add it at the bottom but it would not let me i feel this is a joke i almost paid for the boost thank god i didnt
Consumer complaint received 2023-01-05
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. (WI)

I have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus TransUnion, XXXX, and XXXX. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

Discover is reporting false information to the credit agencies. There have been several attempts to correct this information but Discover will not provide the correct information. An account with Discover was included in a chapter XXXX. However, no payments were ever missed on this account up to the Chapter XXXX, and once that began Discover received a payment settlement from the courts. However, according to the credit agencies, Discover has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Discover is holding this back. I'm not saying Discover isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (DC)

Hi I have concerns with my checking act. issues by XXXX ( Chime ) There seem to be an issue with ledger balance, mathematically it does not add uo. 
I also have issues with indvidual access my acct. The allege has access to my personal information. I also believe that this an effort of several to fraud lending institutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Nissan Finance is reporting false information to the credit agencies. There have been several attempts to correct this information but Nissan Finance will not provide the correct information.

An account with Nissan was included in a chapter XXXX. However, no payments were ever missed on this account, that includes prior to and during the chapter XXXX. I paid the account outside of the bankruptcy and paid it off in full, early, with no late payments. I hold the title to the car. However, according to the credit agencies, Nissan has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred.

During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Nissan is holding this back. I'm not saying Nissan isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. 

As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

Chase, at XXXX has put several agreements in place that they require account holders to acknowledge they have read and to which they have agreed, prior to obtaining access to account information ( e.g. charges made to my credit card ). XXXX agreement is XXXX pages long. The other agreement is XXXX pages long. Reading and understanding these agreements will take a significant portion of time. The " click to agree '' button definitively says " have read ''. I will not perjure myself in order to review my account. Requiring the reading and acceptance is abusive. I would think that a very, very small percentage of account holders will read the XXXX pages. This creates a customer relationship built on lies. I, of course, have the option to cancel my account, and will ; but, perhaps the CFPB could warn Chase that they have instituted a very poor policy.
Consumer complaint received 2020-09-28
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks
Consumer complaint received 2024-02-27
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you REMOVE the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.