davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group (FL)

Someone had to use my information to get a loan at this establishment called XXXX XXXX XXXX XXXX, and that was definitely not me. In the amount of {$44000.00} and dated XX/XX/2022
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (FL)

I saw Upstart on the XXXX XXXX website this company is completely unprofessional from start to finish I applied for a {$30000.00} loan I was preapproved and then was sent a list of to do documents two of them are that last two years of income. Now understand several years ago my CPA said I could take some of my income and move it to an XXXX XXXX and have a lower tax basis since Im XXXX XXXX  to pay less SS tax, from the start it was a mess first I had applied and waited day after day from almost 5 days and hadn't heard anything i called and went over my issue and the person I talked to said he would talk to a supervisor and when he came back he said my income didn't match and I told him again my situation where you had to add the 1040 and the XXXX XXXX to come up with my income I got some nonsense about they went from " line 31 '' which said between the two years tax returns I only had an average of {$150000.00} trying to go over they had two 1099 that clearly shows my income to be almost {$290000.00} I have no office expense and while yes I have to pay income tax from that my net is about {$200000.00} but anyway I finally told him I now have SS and how can that be shown. Well he said first the loan was declined but he said if I reapplied just show the SS with some bank statements that show this income I reapplied and then called the next day got some rude women who didn't seem to know up from down and I explained I sent in the tax returns again along with the bank statement which now gave me about {$220000.00} in come and she said she had to do some research and came back after a long delay and said well you incomes don't match and your declined nothing about he " line XXXX '' nonsense. This company jacked me around for over a week for nothing, and why do I say this is nonsense and completely false adverstising with some smoke and mirror double talk? I applied for a long with XXXX XXXX and from start to finish I had {$30000.00} deposited into my checking account in two days
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NY)

Phoenix Financial Services is trying to collect on a debt that does not exist. They claim a debt with XXXX XXXX XXXX of XXXX dollars on XXXX XX/XX/XXXX. My health insurance sent them a letter XXXX XX/XX/XXXX stating that the bill was paid and they should remove the collection from my credit report and they refused.. I spoke with XXXX XXXX XXXX on XXXX XX/XX/XXXX and was told I have a XXXX balance on the account and there is no debt
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (CA)

I was reviewing my personal credit history from the app XXXX XXXX and then I found out there is an overdue amount from a collection agency. I called and collection agency told me it was XXXX XXXX XXXX account. They provided me the account number XXXX and the history, so that's why I reported fraud to XXXX XXXX XXXX. Someone used my identity to open the account and I did not know until I was checking my credit history.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

At approximately XXXX am on XX/XX/24, I attempted to access my account with Experian. ( I received a free, XXXX credit check service as a result of a hack to XXXX of my financial services. ) When I tried to log into my account, I repeatedly received the message that the information I was inputting did not match their information. I finally clicked the " forgot password '' link and was taken through a process to identify myself. This included their sending me a pass code to my phone via text. The code didn't come, so I clicked the " resend '' link ; it still didn't come. I went back to the website to try to find a phone number, but the only XXXX available was to order a credit report. I spent several minutes on their various pages, trying to find contact information for customer support, but only kept getting the same XXXX unhelpful pages. I put a query in the " questions '' box for " can't access my account '' and was returned to the same page I was on. I finally did a XXXX search of a phone number and called the one that came up. There was an automated service that responded, asking for my social security number. I don't simply give out my SSN on demand, so I asked for a representative. Eventually, I got to an automated service that gave me only XXXX options : report fraud or order a credit report, neither of which addressed my problem. Regardless of what information I gave either verbally or using the phone buttons, this recording kept repeating the same directions. After spending XXXX minutes on this circular phone tree, the system finally hung up on me. So, their login system is broken, their phone service is a dead end, and their web presence is XXXX XXXX block. This is unacceptable for a service ( normally a PAID service ) that we are dependent upon for our financial safety. Furthermore, they of all businesses should not require customers give their SSN right up front as the only means of getting through their door ( although careless custody of SSNs is what keeps them in business. )
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MA)

My credit cards expiration date was XX/XX/XXXX. 

On XX/XX/XXXX, I tried to request a replacement card on the app as I was surprised I hadnt received one with an updated expiration date. The app said it couldnt process the request because it had already been made. 

On XX/XX/XXXX, I called because I had not received a replacement card in the mail. I was told there was no information in the system and sometimes cards are late in being sent out. I was told to wait a few days to see if it arrives in the mail. 

On XX/XX/XXXX, I called again as I still hadnt received a new card. At that time, I was told there was a note saying the account was being closed but no reason was listed and I should be getting a letter in the mail via a third party. 

On XXXX, I called again and was told there was still no further information and that someone would call or email me. 

Its XX/XX/XXXX and there is still no resolution to this matter. My credit is in excellent standing and I havent missed any payments in the years Ive had this account.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

There is a collection on my credit from I>C systems for a medical bill that I do not owe. I called the hospital where they allege it is from and they confirmed that my insurance paid the bill and I only had a balance of XXXX. I paid the XXXX XXXX at TX XXXX the XXXX, However this collection agency refuse to remove this error from my credit. This has caused me to be denied credit and it is defaming my character. I asked I>C system to validate the debt and they refuse to do so
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased this vehicle new in XXXX of 2013. The vehicle was supposed to be around {$31000.00} plus negative equity from my trade-in. I have paid Chrysler Capital over {$58000.00} towards this vehicle. My payments are just under {$800.00} per month. This is something that should have never been given to me because of my debt to income ratio. I have struggled to pay for this vehicle the entire time that I have owned it, yet I have still managed to pay over {$58000.00} during the last 8 years. Nearly {$35000.00} has gone towards the interest. I have never been able to refinance this loan because of Chrysler Capital 's high-interest rate of 18 % keeping me from getting any of the principal paid down on the car. I am sitting here with a pay-off balance over {$11000.00} still, with a car that is only worth a fraction of that. I have tried multiple times to get out of this loan. I have begged Chrysler capital to help me out, but they have only ever done a loan modification or a payment deferral, which caused me to pay much more interest than I should have. Chrysler Capital has too many unfair lending practices for sub-prime borrowers and they need to help people the right way and be an honest company. They have received enough of my money already.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

On XX/XX/2023 a trial modification plan was offered to me. A foreclosure sale date was scheduled a week after that. The sale dat is for XXXX. A modification review is also active. On XX/XX/2023, I received two letters notifying me of a sale dat and another acknowledging that a review for a modification is active. The letter also states that foreclosure actions are currently on hold on the account until XX/XX/2023. The letter went on to say that SPS will not file the first legal action, order of judgement or order of sale until after that date and that if the attorney has scheduled a sale date they will order it for it to be cancelled. This has not happened. This is dual tracking once again. I have spoken to different reps who insist that that sale date should remain even though the letter states it will be cancelled.
Consumer complaint received 2023-01-06
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2024-02-23
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-06
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)

Found that several of the accounts on my XXXX, XXXX and Experian accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account 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
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

PNC has made changes that has prevents customers to be able to link accounts with 3rd party vendors. This change happens at the worse possible time at the height of the Covid-19 pandemic when consumers needed to access money in contact-less ways. 

I needed to transfer money in and out of XXXX so that I could pay people for services. Unfortunately, right when i needed this, PNC made changes that would not allow this to happen. I called to complain about this and voice my frustration. 

Now I am trying to link my account to XXXX so that I can collect rent payments and it is not allowing me to do so. I received an error message from XXXX saying that PNC has made changes that prevents being able to link accounts.
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: Experian Information Solutions Inc. (CO)

My VA home mortgage with XXXX was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, XXXX had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that XXXX reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my XXXX account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as XXXX pt in the next week or so.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXX XXXX XXXX ( Finance ) XX/XX/2024 CAPITAL ONE ( Bank ) XX/XX/XXXX, XXXX
Consumer complaint received 2023-01-06
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. (TX)

I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXX.It 's been on going since XXXX XXXX account # XXXX.I would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
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. (FL)

Bank is fraudulently requesting money from me for a closed account. 
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me. 
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc. (TX)

climb XXXX is reporting that I was 30 days late in XXXX but I have an autodraft from my account every month. I have never been late, and would like for them to remove the 30 day late payment from my report, as it's been reporting as false.
Consumer complaint received 2020-08-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I had my American Express Hilton credit card set to Autopay, so was surprised when I received a {$29.00} late fee plus interest charge. When I called to find out why Autopay didnt work, XXXX XXXX that when I changed my payment method to another bank account that Autopay gets automatically turned off. He said it was in the fine print, but I know I read the fine print and did not see that specified. He refused to remove the late fee. There should be a pop up box or other obvious notice when Autopay function gets shut off!!!
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

DISPUTE WITH Action Collection Agency of Boston ( ACA ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, MA XXXX ( XXXX ) XXXX - Received letter from ACA dated XX/XX/XXXX that " XXXX XXXXXXXX XXXX XXXX  '' referred a delinquent account to them. Account # XXXX. Reference # XXXX. Amount {$560.00}. Service Date : XX/XX/XXXX - Called XXXX XXXX which confirmed no record of her as a patient, no amount due from her, no record of the above account or reference number. 

- On XX/XX/XXXX, called ACA with this information. ACA instructed us to put our response in writing. 

- In letter dated XX/XX/XXXX, wrote what the hospital told us and then : " absent any supporting information, we have no alternative but to assume that the invoice from you is FRAUDULENT. '' We requested proof of claim. 

- In letter dated XX/XX/XXXX, ACA sent us " a copy of the itemized statement from our Client. Your personal information has been verified above. Please call to provide your insurance information. '' The invoice was for patient XXXX XXXX 

- Called XXXX XXXX 's which said that XXXXXXXX XXXX ( not XXXX ) is assigned when a patient without ID is treated ; yes, " XXXXXXXX XXXX '' was treated on XX/XX/XXXX for {$560.00}. 

- In letter dated XX/XX/XXXX, ACA again sought payment for {$560.00} - We need your help to fight this fraudulent claim.
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$170000.00} XXXX XXXX {$2500.00} XXXX XXXX {$550.00} XXXX XXXX {$2800.00} XXXX XXXX {$420.00} XXXX XXXX {$500.00} XXXX XXXX {$0.00} XXXX XXXX {$390.00} XXXX   XXXX {$500.00} XXXX XXXX {$31000.00} XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX