davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-29
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 (OH)

I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because Discover reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX  on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


Discover reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all XXXX of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  XX/XX/XXXX. Why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house
Consumer complaint received 2021-08-29
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: Experian Information Solutions Inc. (GA)

Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " XXXX XXXX ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " XXXX XXXX '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " XXXX XXXX '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2022-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

On XXXX I submitted a transfer request at Ally Bank for {$1500.00} to send to my XXXX XXXX account. On XX/XX/12 they said my transfer was suspended and I can not use transfers for 1-2 business days. I called several times and was repeatedly hung up on and then told I would not have access to any of my funds for 1-30 days pending a fraud review. I can not access the online account and the agents are not being helpful.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed some personal information that is being reported on my consumer report that is inaccurate and I want deleted. Per 15 U.S. Code 1681 you must maintain 100 % accuracy and follow the written instructions of the consumer to whom it relates. My consumer report has several non mailable addresses that needs to be deleted and several names that are NOT my name. Please see the attached a dispute letter
Consumer complaint received 2021-08-29
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: EQUIFAX, INC. (GA)

Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " XXXX XXXX ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " XXXX XXXX '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " XXXX XXXX '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

AFNI at XXXX XXXX  XXXX XXXX, IL XXXX has been sending me collection notices about {$200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (CA)

I used to have XXXX for my cable services, they took over my prior cable company. This Company continued to overcharge me and finally I decided to change Servicers. 
On or about XX/XX/ 2019, I had XXXX install and take over all my cable/internet and TV. I chose to keep my phone number which never was released by XXXX. This lost me my phone number that I had established for nearly 18 years. 

On or about XXXX, XXXX sent a bill and I paid all that was priorly owed for the time having services. I never had any remaining bill outstanding. 

Despite that I had no longer had their services, they knew this and continued to charge me and refused to stop charging me. I had filed two disputes and after filing with two complaints one with their own Corporate Office, which was never answered in any manner, and the other with Ca. State Agencies consumer protection. I assumed they finally realized they were billing me for services that I no longer had. 

XXXX appears to have hired a Debt collection Company named and has added a collection on my credit report. This Company never confirmed or showed proof of any such debt. This Company was informed that No such Account existed and XXXX continued to charge me. This is unfair and now having hurt my credit ratings and this is seriously effecting me. 

There was no services rendered and it was impossible as I had XXXX and now it appears they are backdating bills and all was paid prior to the switch to XXXX. 

Additionally, XXXX stated " they would pay '' any remaining charges to Switch. 
XXXX  never paid anything either. Now, this defeats the reason for switching was to lower bills. Not to double up on bills and receive less service. 

I placed a credit dispute to this Third Party Debt Collector and they provided that I had an Account. However, I DID NOT HAVE ANY ACCOUNT AFTER SWITCHING TO XXXX This Company is " out of state '' and has no phone number listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX. 

They are falsely representing that I owe a debt. This is on my credit as recent as XXXX XXXX 2019. Stating a false figure of XXXX They state I was delinquent in XXXX XXXX 2019 this is not true. They have provided No proof and there can be no true charges for services after I switched my cable/TV and internet. XXXX gouged me and I was tired of their games and unfair business practices. This is unacceptable.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I signed up for a credit Card thru Chase. The card was marketed as 0 % APR with NO fees. I recently traveled abroad and used the card or few purchases. Chase added 5 % transaction fees to the transactions in the latest statement. Upon confronting them about the issue, they are not willing to accept any wrong doing or willing to take off the fees. In addition to that, Chase is not willing to accept that they solicited false claims and marketing claims about the card.
Consumer complaint received 2023-11-29
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NY)

I lost my job with XXXX  and called them they dont care they are ruining hurting my credit score by reporting me delinquent for so many days but wont accept a settlement or offer me one to satisfy this debt with them I cant afford to pay them the full balance when Im not working all they offer is payment plan but I want a settlement to get rid of them {$500.00} but they wont settle with me so how am I supposed to work with them and how much longer for them to offer me a settlement in this amount they have to take a loss
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MT)

They called me and misled me on the terms conditions and it over all their general customer service. When it comes to the lending, I would not assign thats interest principal on a car thats that old, and not worth the value of what I wouldve been paying back in such a short amount of time, they lied about the fact of the loan facts of my financial situation to give me the loan theyre very well aware that I was homeless my camper and just purchased a truck with a {$900.00} car payment my car the first time they created a piece and I told him that they were not welcome to possess my car and that doesnt mean the gentleman came back again that morning the police told him to repossess the car with me in it The executive office at OneMain that the signatures are clearly forged, and that I did not sign the terms of the contract that they have on hand that I presented with lower terms and told it in a financial hardship that they work with me. The time stamp has the contract signed and completed in less than XXXX minutes. I can even read the first page that fast. They are very secretive with everything they do not puttin anything in writing, and play nice like they are friends helping you to just XXXX XXXX I feel so mislead.
Consumer complaint received 2023-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I have been a customer of Coinbase since XXXX with a simple coinbase crypto wallet. Unfortunately, I lost access to one of the email accounts that was used to log into my coinbase wallet account. I also lost access to the phone number and XXXX XXXX  to that account. However, I still remember the old email and password and am able to log in, but once I log in, there is a security prompt for an XXXX  to that email, phone number or XXXX XXXX ( which again, I've lost all access to ) so I can not progress any further. The last time I had access to this account was XX/XX/XXXX. I've tried multiple times to do an account recovery via their website so I can prove my identity and that I am the person on the account, but no one has responded from coinbase. It seems almost impossible to reach a human as I've only had responses from bots. I've checked on many forums like XXXX and XXXX and it seems thousands of people have or are experiencing the same issue. 

That said, I recently received a letter on XX/XX/XXXX from coinbase and their law firm stating my unclaimed property will be handed over to the state that I reside in if I don't sign this letter and email it back by XX/XX/XXXX to confirm I am the account owner and that I do not want to hand it over to my state. I signed the letter and emailed it to coinbase 's law firm and then I received an email stating that it's not enough and that I now also need to access my account by XX/XX/XXXX. I was confused because the letter stated I only need to return this letter to stop the transfer to the state, but the email response from them contradicted that letter. I've raised another ticket with coinbase in hopes I can prove my identity and gain access to my account again. I am filing a complaint here in hopes to get some help to reach someone at coinbase to assist me and close this case. Thank you.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Financial Inc. (GA)

In the beginning stages of the pandemic, I was unable to pay the loan amount monthly. I do not owe anything to this secured loan, but it is reporting two negative payments on my credit reports and bringing my score down drastically. I feel that is predatory and immoral. My financial situation is much different now, yet there is nothing I can do about to reopening this account and continue making payments.
Consumer complaint received 2021-08-30
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. (GA)

XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.
Consumer complaint received 2021-08-30
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. (GA)

XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.
Consumer complaint received 2021-08-30
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. (GA)

XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I used a promotional convenience check. The expiration on the promotional interest rate of 0 % was XXXX. In late XXXX I realized the balance of the promotion was still virtually unchanged. I called to pay off the promotion balance to avoid the future interest on this balance. I was told that I could not pay on the promotion balance even though I had already paid the minimum due on the higher interest rate balance because of their algorithm. The promotion gives you 0 % interest for a limited time as long as you pay the balance within that limited time. However none of your payments go towards that balance and I was not allowed to pay that balance without first paying all the higher interest balances on the account. This is locking me into a high interest rate on this balance and unfairly leaving me no options to pay the promotion balance.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this complaint is proof that these accounts were deleted. Please follow suite and delete these accounts for accurate reporting. I am asking they just be deleted to show my true credit history. XXXX has removed all accounts associated with XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors : XXXX XXXX acct # XXXX XXXX Creditor
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (TX)

During my monthly review of my credit, I noticed that a medical collection account was added to my credit report from original creditor XXXX XXXX XXXX XXXX. I did make payment toward this account every time I received a billing statement from the hospital, and I attempted 6 times to setup reoccurring payments to no avail. I never received late payment notices, or notice that the account was being placed in collections. This has negatively impacted my credit which I have worked extremely hard to maintain above 700. It is completely wrong that Medical Data Systems Inc,,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone : XXXX can place a collection account on my Credit Report with no notice.
Consumer complaint received 2024-05-30
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: LEXISNEXIS (NJ)

As per my letter, I have already verified all the information in their file TWICE. There are a couple of minor issues which have been addressed. 

Nonetheless no bank can verify me through LexisNexis. LexisNexis doesn't investigate what is causing this secondary problem. It apparently it something to do with my cell number which I have had for over 10 years.