davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (PA)

I applied for a payday loan in XXXX and was approved for {$200.00} through XXXX XXXX XXXX. I have since made 14 payments totaling over {$550.00}. The original principal had been paid back plus several hundreds in interest yet they still deduct the payments from my bank account twice a week. I was not aware payday loans are illegal in the state of Pa and I have gotten 2 more trying to pay the original one off and I am financially unable to keep making payments.
Consumer complaint received 2020-08-18
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: PENTAGON FEDERAL CREDIT UNION (NJ)

I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

Back in XXXX to XXXX I had adverse financial difficulties and I was not able to pay off my obligation to two debts those debts were adquired by another and anothe and posibly another company that bought those debs Now I need to refinance a car I purchased and they pay no attention to how I have been paying my debts for the pass 5 years instead they look only to those unpaid debts of years pass I believe that's an unfair practice that this financial institutions look at 8 years pass and not at how a person is financially performing at present and in the pass 5 years.
Consumer complaint received 2020-08-07
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. (VA)

XXXX XXXX XXXX is listed on my credit report for XXXX dollars XXXX couldn't explain the bill I spoke with reps and supervisors I disputed the bill with XXXX I never received a bill from XXXX I found out about bill when I found out by credit alert trans union has bill on my credit report without proof I owe because there is no proof trans union didn't remove from my credit bureau also medical bills which I never received a bill XXXX had the account with a credit agency
Consumer complaint received 2020-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a loan with XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank, N.A. is double-reporting one account to XXXX. I have a revolving credit card with a credit limit of {$34000.00} and a balance of {$10000.00}. I received an alert that my credit score with XXXX went down 43 points overnight. I pulled my credit report and saw that Chase Bank is improperly reporting this account twice - and therefore my credit usage and new accounts opened in a short period of time is negatively impacting my credit score. 

I am in the process of buying a new home, and this false reporting may potentially have an adverse effect on me. I demand this be fixed immediately and documentation provided to me by Chase bank within the prescribed period of time under FCRA to evidence this has been remediated. 

Additionally, Chase does not give clients the option to dispute a credit reporting error via the phone or via email. They expect consumers to mail a dispute to their processing center and wait for 30 days for a response. Absolutely ridiculous that Chase does not provide for an automated solution to fix errors due to their negligence.
Consumer complaint received 2024-03-19
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. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (MA)

My PenFed Visa card was used 9 times on XX/XX/20 for a total of {$180.00}. I am the only one in possession of this card, and I pay at the pump. On XX/XX/20, I spoke by phone to XXXX, ID # XXXX at PenFed lost & stolen office providing him with this info. I went over this again on XX/XX/20 with XXXX at member services. She referred me to XXXX at fraud where I left a voicemail and received no response. On XX/XX/20 I filled out the fraud report mailed to me by PenFed which erroneously listed 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I enclosed a note under comments and also enclosed a copy of my statement highlighting the 9 fraudulent charges. This was faxed to XXXX. On XX/XX/20, I spoke to XXXX, ID # XXXX, who said I was credited for the {$58.00} ( legit. charges ) but not the {$180.00} which were the fraudulent charges. XXXX said he had to add the {$58.00} back on and then have the {$180.00} credited. After receiving my latest statement, I saw that the matter still was not rectified. On XX/XX/20, I received an Email from XXXX XXXX from the fraud unit at PenFed which reflected that she did not have any knowledge of my issue and referred to something else. I can forward you her Email and my response. On XX/XX/20, I received a notification that my Email was read. On XX/XX/20, I spoke with XXXX at customer service, ID # XXXX, and supervisor XXXX XXXX at XXXX. XXXX. Although Mr. XXXX took down all of my information, nothing was accomplished. On XX/XX/20, I spoke to XXXX at ext. XXXX, who stated that the 4 valid charges totaling {$58.00} would be put back on my statement, which they were, and that she would forward my concern about the {$180.00} to the proper people. On XX/XX/20 I filled out another fraud report mailed to me by PenFed which again erroneously listed the 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I faxed another explanation along with supporting documents. No resolution to date.
Consumer complaint received 2023-12-27
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXX XXXX Balance {$7300.00}
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DE)

I have a prior complaint against Fifth Third Bank, # XXXX, that was closed because they responded. Although they responded, I still have not been given the information I requested which is to have someone go over my account with me over the past year or, send me the information showing mortgage and escrow payments made with a balance after each transaction because I am alleging that one or more of my escrow payments may have been misapplied or not  applied at all. In her XXXX XXXX, response to my undated letter, a copy of which I also sent to CFPB, Ms XXXX XXXX stated that A letter providing more information will be mailed to you at the address on file within fifteen ( 15 ) to twenty-five ( 25 ) days, which I do not under stand why it would take almost a month to sent me the payments and balances made on my account over the past year. I have yet to receive any information from Ms. XXXX. I believe I have been patient and waited long enough for information that should be electronically accessible. Fifth Third Banks responses are so apologetic but that is not what I am looking for. They need to do better. What I am looking for is a history, over the past year of mortgage and escrow payments with a balance after each transaction.
Consumer complaint received 2020-10-02
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. (IL)

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-18
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 is fraudulent on my credit Account # XXXX ITHINK XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-18
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. (GA)

XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the XXXX breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Heavner, Beyers & Mihlar LLC (IL)

XXXX XXXX XXXX XXXX XXXX has filed suit via a Debt Collector lawyer on a debt that I did not owe or sign for. I have not been notified of this debt and they have not validated this debt. The only way I knew that this was happening and that they were fraudulently charging me and attempting to sue was by chance. I was contacted by a local Bankruptcy lawyer looking for my business and was provided with the court filing that included the lawyer filing the suit. I have demanded debt validation with both XXXX XXXX and the collector, but I am filing complaint asap to get this resolved and stopped immediately. My income is through my late husband 's social security income for our children and not garnishable anyway. However, since they have not provided me with any debt validation and have moved to sue without any contact or warning, I have no choice but to submit this complaint and notify them that I will pursue a suit of my own for their violation of the FDCPA.
Consumer complaint received 2020-08-18
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. (GA)

XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the XXXX breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing Credit systems to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on  XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what  method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. Credit Systems did NOT validate this debt, All credit bureaus  have removed this acct except Experian
Consumer complaint received 2020-08-18
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. (GA)

XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the Equifax breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!
Consumer complaint received 2020-08-18
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: Ascendium Education Group (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NV)

Misleading Ad on XXXX website leading to rejection and detrimental effect on my credit score - SPECIAL OFFER FOR YOU IS DECEPTIVE AND IMPLIES A HIGHER CHANCE OF ACCEPTANCE. 

Link on XXXX website was accessed on XXXX. It clearly stated " Special Offer for you. '' I have the XXXX store credit card so my thought was that my good history with that card may have been shared to generate this special offer. Also admonishes that if you leave the webpage, the offer may be rescinded or inaccessible. 

Called the AMEX number on the digital rejection letter. Transferred twice, spoke to three total people. The second agent said the third agent would be asking for my SSN to pull up the details.The third agent did not ask for my SSN.He just kept repeating that I had read the terms and conditions of the cardholder 's agreement. He would not acknowledge my concern of deceptive advertising which I felt was akin to a pre approved offer or at the very least there was a high chance of acceptance. This was for the AMEX XXXX XXXX XXXX Card with extra perks for shopping on XXXX with attractive terms. My score is right around the 700 mark. Then called XXXX and she had absolutely no process in place to escalate the complaint. FInally I did email Manager-XXXX and essentially gave a condensed version of what I am detailing in this complaint. This hard inquiry will last two years and current creditors with whom I am good standing with may see this and I risk account closures and/or unfavorable interest rate adjustments. I would like this removed from the credit file so that I do not have this liability for the next two years. Thank you.
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.