davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I received a notice from credit collection services regarding a debt of which I was unaware. Id like to submit payment now via the payment slip, but there isnt an address provided, a return envelope, or an option to pay online. Can you please advise? Thank you.
Consumer complaint received 2023-01-20
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. (CT)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$20000.00}.
Consumer complaint received 2021-12-19
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: Experian Information Solutions Inc. (NY)

I received a thank you feedback email from Experian indicating if as a representative named XXXX had worked with an imposter and reviewed my account. Upon calling Experian, they weren't able to identify where the action came from. However, additionally, they were able to tell me someone had access to my account via an XXXX computer, of which I don't own through previous transactions logs. Per confirmation with Experian, when a caller calls in, all they would need to provide is the person 's name, social security number and birthday and any imposter can review the account as long as they have all the correct information. I've also submitted a security freeze online. If Experian has a system that sends a verbal code to the owner 's phone whenever a password needs to be reset, why hasn't the second level of authentication been added to prevent imposters.
Consumer complaint received 2021-12-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (IL)

I have had this account since XX/XX/XXXX as I got aligners from XXXX XXXX 
I had many issues with XXXX and, as a resolution, they gave me a partial refund of {$300.00}. I have also been paying excess towards my account because the interest rate was pretty high. 

Now, I just want to apply that credit to the balance so I can have the account closed. 

Prior to XX/XX/XXXX, I cancelled my auto-payments and called in to customer service. ( which is now Synchrony Bank ) A representative told me that they can not apply the credit to my balance and I would have to let it lapse each month to have the money taken out of that credit balance. She also told me that I would still owe the whole {$350.00} amount and that " credit '' is reflected in my payoff balance. This does not make any sense at all. It clearly states what I have a balance of {$330.00} AND a credit of {$290.00}, now. 

I do not want to pay excess finance charges or even interest, which is why I've been overpaying each month. In the terms of my original contract with XXXX, it states that I can pay off early to avoid these costs.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I requested my loan history from 1998. They provided a generic response, that only pertained to loan history after my latest consolidation. They were unable to provide complete loan history since 1998. There should be no mystery in how many payments I have made. 
aidadvantage Studentloan.gov
Consumer complaint received 2021-11-22
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: Experian Information Solutions Inc. (NC)

My patience has completely ran out with the Consumer Affairs agency. This company is suppose to be handling my Identity Theft fraud case. I have filed several identifying documents that was requested of me, such as a, Federal Trade Commission Report, an official police report filled out by a detective at my local police station. I even contacted the companies in question advising them of my identity theft situation. Although a few accounts have been removed, there are still numerous accounts that are still on my credit report. This situation is a very obvious theft case, but the Consumer Affairs division seems to be bias towards consumers. I have did everything required of me, such as, filing the varies reports in detail as to the names of the accounts, dates that I noticed the theft, etc. Consumer Affairs refuses to remove anything off my personal credit report, even thou I have provided every piece of paper work and reports that they have asked for. The excuse they keep throwing at me is The companies have said that everything is accurate No real Investigation just taking the word of the companies that still remain on my credit profile. Im particular, calling out the name, XXXX XXXX, which is a supervisor at the Consumer Affairs division. I spoke with him XXXX time only concerning the documents that I needed to file and send in to them. Since I have did as instructed XXXX XXXX has been avoiding my calls like a break up in a relationship. He refuses to do his job correctly. Instead I believe XXXX XXXX is receiving some sort of compensation from said companies in question. Its to my understanding that The Consumer Affairs agency works for the consumer, not the credit card companies and loan companies. I refuse to pay for accounts that I never owned nor benefited from. I have advised XXXX XXXX that I would have to file a warrant against him for fraud, Identity Theft, and embezzlement. I want the accounts that still linger on my credit report removed thats in question. I have provided all the necessary documents and anything that they have requested. This XXXX XXXX character need to be fired and investigated for taking compensation from these companies. This is highly illegal and it carries felony charges.
Consumer complaint received 2021-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

Purchase car XX/XX/XXXX in the middle of open XXXX XXXX. Past due on account, instead of Prestige just reporting me late, they reported my account as paid off and as a New BK, when my BK discharged on XX/XX/XXXX. I sent email to complain and XXXX emailed me back. XXXX stated I have reviewed your account history, our reporting of that history, as well as the Prestige tradelines for all 3 credit reporting agencies. I was able to see where your report shows that this account is included with your bankruptcy filed in XX/XX/XXXX. This is not information Prestige has provided to the bureaus, and I am not sure why they are reporting this information. I have sent a manual update to remove the bankruptcy information and report the correct account information, which you should see in the next few business days. XX/XX/XXXX, recvd an alert stating account has been closed and now dropped my score to XXXX, included in BK. instead of XXXX
Consumer complaint received 2021-12-19
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)

Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card
Consumer complaint received 2021-12-19
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. (NY)

I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my experian, XXXX, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX XXXX  and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Consumer complaint received 2022-05-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 information incorrect
Company: Experian Information Solutions Inc. (IN)

I try disputing these ( XXXX ) account late payments thru letters and online a total of 7 times this year with Experian, these loans were in deferment, didn't require any payments, I sent Experian the letter of confirmation XXXX sent me saying the loans were on deferement and didnt require any payment. I attatched the letter to this complaint. 

This inaccurate info Experian is reporting, differs from what XXXX and XXXX are reporting because the knew my loans were on deferment.
Consumer complaint received 2021-12-21
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. (LA)

i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (CA)

On XX/XX/2022 I called them because I needed to Lend {$150.00} for XXXX. I was told that They were only allowed to borrow me a minimum of {$670.00} at an Interest rate of XXXX XXXX. I was told it would be a total of 7 Payments of {$180.00} and the last payment would be taken on XX/XX/XXXX XXXX After this last payment came out I went to the bank and had them put stop payment on any future payments after reading the horror stories. On XX/XX/XXXX I received an email notifying me that they will be taking another payment out of my account. I called Minto Money to ask why they were taking more out of my account. They said that the interest was a Daily Charge and I haven't paid on ANY of the loan at all ... my total balance still Remains plus more interest, and I must have " Misheard '' them because the loan is 840 % interest. I explained that I was told a total of 7 Payments would be taken from me, and the terms discussed were nothing of the sort. They refused me a chance to speak to a supervisor or anyone who can explain why this is happening. I even brought up that Minto Moneys beginning call disclaimer states that they have a recorded line and they have the proof that I didn't agree to those specific terms. They claimed the balance still owed is over {$900.00}, But have since locked me out of the online page to check this " Balance ''. They have since sent me texts everyday and call multiple time daily. I don't know what else to do. I knew I would be paying a high loan at 84.9 %, But i would have NEVER CONSENTED to 840 % interest ... .Especially since I knew I has already going to struggle incredibly hard with {$180.00} already coming out of every paycheck for 7 paydays.
Consumer complaint received 2022-05-27
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. (LA)

15 U.S.C 1681Section 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Upon checking my XXXX and Fico scores ( XXXX XXXX ), i discovered that my credit score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX Credit Account. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 

I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my XXXX and Fico scores ( Trans Union ), i discovered that my credit score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX Credit Account. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 

I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.
Consumer complaint received 2022-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violat my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It al : states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for purpose.

4
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian previously removed a discover late payment from XXXX It was reinserted into my credit profile without my notification or any verification. I need that late payment removed immediately
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CO)

Date of Incident XXXX XXXX XXXX XXXX Description of the Incident : Dear Consumer Finance, I am writing to report of Paypal an urgent issue that occurred on XXXX XXXX XXXX. I attempted to transfer {$100.00} from my XXXX account, which is linked and verified with my PayPal account, to my PayPal balance. However, I encountered a problem where the transaction was refused despite the bank account being appropriately verified when initially linked to PayPal.

Actions Taken : I confirmed that my XXXX account had sufficient funds for the transfer. 
I ensured that my XXXX account details were correctly linked and verified on PayPal.

I attempted the transfer multiple times, receiving a refusal each time.

I have not received any clear error message or reason for the refusal from PayPal.

I am reaching out to you for immediate assistance as this situation is causing significant inconvenience and I need the funds to be available in my PayPal account as soon as possible.

Please investigate this matter urgently and provide a resolution. Your prompt attention to this issue would be greatly appreciated.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

On XX/XX/2021, I received a notice of debt letter from AssetCare dated XX/XX/2021, stating that I have an unpaid medical balance with XXXX XXXX XXXX. Upon receipt, I immediately forwarded a letter of validation to the company 's XXXX, TX addresses that are listed the letter and with the TX Secretary of State. AssetCare , LLC has not only failed to validate the debt that they claim is owed. I have not provided XXXX XXXX XXXX or any medical or clinic facility a signed HIPAA release for my medical information.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Today on XX/XX/XXXX I spoke with a Capital One Representative XXXX. She was kind and professional. I inquired with her as to why Capital One has not increased my limit once in over 3 1/2 years? Supposedly every 6 months they can do so. Also, I inquired as to if I request an increase would that be a soft or hard pull on my credit? XXXX assured me that it was in fact a soft pull, and could not explain why I was never offered an increase. Today I was denied an increase on my Capital One credit card. I believe I am for some reason being discriminated against, and do not understand why. My credit scores with all 3 major credit bureaus range from XXXX. I missed one payment with Capital One in XXXX of XXXX. I have not missed one payment with Capital One or 16 other creditors since then to present. Needless to say my payment history is exceptional. I reduced my debt drastically over the course of XXXX. My debt utilization is under 10 %. Furthermore, I sent Capital One a goodwill letter this past year asking that they please delete the missed payment as I have always been responsible in paying off my debt with them. Capital One declined, and I know they can delete it as I spoke to lawyer. Capital One who is parent to Kohl 's credit cards shut my Kohl 's card down with notice damaging my credit history this year, because that card was well established for years. Capital One is not increasing me credit that I know I deserve. My credit reports show that lenders see me as very responsible. Capital One is treating me unfairly, and I am asking for the CFPB 's help as to why? I will upload some screen shots that are of my credit reports with all 3 bureaus.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (AE)

XX/XX/year> Sent a letter by mail to the address. I told them in this letter someone is using my information would like a security freeze to be place on my information to the present the company never responded.

Someone is using my information after three health care data breaches. Someone apply for us citizen under my social security number, used my driver license and other information. I haven't authorized no health insurance release.

By providing companies information without my authorization is
liability for MBI and other remedies may be used if you keep disclosing information outside my authorization.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/year>, 3 credit cards were opened and purchases made in my name without my consent or knowledge. One was Comenity/Kay with a charge in the amount of {$9100.00} charged in XXXX, FL per the representative that I spoke with named XXXX. The second account that was opened and purchases made without my knowledge or consent is XXXX XXXX XXXXXXXX XXXX XXXX amount of {$490.00}. The third credit account that was opened without my consent and purchases made was XXXX in the amount of {$380.00}.