davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

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. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account Name Credit Collection Services Account # XXXX, has violated my rights.

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 reports are false.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made payment arrangements with XXXX XXXX for my creditors. Capital one agreed to a lower payment for 2 months. They put 2 negative marks on my credit as a delinquent account. When I reached out to them, they told me it was too bad.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I opened an account with Chase Bank in part because of a promotion which, after meeting certain conditions including a regular direct deposit, the account would be credited {$200.00}. When I noticed the promotional credit had not been applied after the second direct deposit, I contacted the bank via their secure message feature in the Chase XXXX app. The first person who answered the e-mail indicated that she was not able to apply the coupon code. Although I had not done anything wrong, she indicated that she was unable to credit the account. After replying back and requesting an escalation, I was told to contact Chase at their 800 number. I dialed in on several occasions but no person I spoke with seemed to be aware of the promotion or how to address the issue. 

I have attached the e-mail promotion to this complaint, but it appears that the bank is engaged in a bait-and-switch to have my business but fail to follow through on their promotional offer, acting in bad faith. Multiple requests to speak with a customer service supervisor, offering to send copies of previous communication and a copy of the offer to the customer service representatives which whom I spoke, were all declined.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (FL)

My paypal card was absorbed by XXXX XXXX. The card number was stolen somehow. My account is secure but the number was stolen from within paypal. I called within a couple of hours but the number printed on the card does not work. I was unable to report the card as hacked. I called paypal and their phones do not work either. Just a recording that says no one is available to help. I tried to send a secure message but replies for the fraud complaint are being answered by offshore group in XXXX that do not understand any complicated issues explain in english writing. They have no USA staff to support us at either XXXX XXXX or at paypal. I finally managed to get logged online and was able to report the card lost or stolen to get it frozen as the only option. Then I sent paypal the secure message that there are pending fraud charges and they refused to assist the merchants that reached out for help and they refused to help me. They forced through the fraud charges after they were notified about them. They allowed items to be purchased using an address that was NEVER on my account and they won't help me. They pushed through all the fraud charges days after they were notified about the fraud, and they wiped out my paypal account, my cashback rewards, and paypal took the money out of my personal bank account to cover the fraud charges on my credit/debit card.
Consumer complaint received 2020-08-08
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)

My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with XXXX   and they declined to assist me with this issue. My understanding about XXXX  reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me.
Consumer complaint received 2020-06-16
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. (TX)

FTC Office of the ATTY GEN # XXXX lates XXXX XXXX # XXXX {$16000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Business Cred
Consumer complaint received 2022-09-15
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)

XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX. This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.
Consumer complaint received 2020-08-08
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: States Recovery Systems, Inc. (CA)

I moved out of property that was managed by XXXX XXXX   XXXX  XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. STATES RECOVERY SYSTEM INC. is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX   XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on XXXX  credit reporting agency. XXXX  has ruled each dispute in favor of RECOVERY SYSTEM INC. without providing any proof to my person.
Consumer complaint received 2020-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

Sir, Could you please help me to address my credit discrepancies and illegal altered of false reports on my credit report by a Company listed as AFNI INC collection agency, they put a derogatory False report on my credit. 


The company AFNI reported on my credit that i owed them a loan, and that the loan is connected to XXXX XXXX XXXX XXXX. 

AFNI INC collection agency recorded on my credit reports that i stopped payment of my XXXX XXXX XXXX bill in XXXX, 2020. This is absolutely false!, ( I dont use XXXX XXXX XXXX  ). I stopped using XXXX XXXX XXXX XXXX over 2 years ago and i did not owe XXXX XXXX XXXX any outstanding payment. I called XXXX XXXX XXXX office to verify and confirm Cooked up by AFNI but XXXX XXXX XXXX official told me my account is closed. No debt! No outstanding payment! 

So why? Who gave them permission to my credit? 

Sir, Your help will be highly appreciated
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AE)

A year after moving ( XXXX ), I was contacted via telephone by Transworld Systems. The representative informed me that they were attempting to collect a debt in the amount of {$130.00} on behalf of XXXX XXXX, my previous energy provider. I explained that I verified with XXXX XXXX before departure that there was no outstanding balance. Further, I informed the Transworld Systems representative that I would contact XXXX XXXX directly, verify this information, and settle any remaining debt if applicable. When I called XXXX XXXX, I was informed that no debt existed and nothing had been sent to a collections agency. At this point, I disregarded the call from Transworld Systems as it appeared to be a scam call. 

In XX/XX/XXXX, I received notice of unpaid debt reported to the credit bureaus. After examination, I realized it was Transworld Systems reporting the debt of {$130.00}. I immediately disputed it as fraudulent as I had already received confirmation that it never existed. It was removed from my credit report. 

In XX/XX/XXXX, I received mail from Transworld Systems acknowledging that I reported my identity being stolen in reference to the debt. Included in the mailed documentation were an identity theft report form and a bill from XXXX XXXX. I did not complete the form as the fraudulent action is not identity theft, but Transworld Systems ' attempt to collect false debt. Further, the bill included as evidence is just a copy of a bill from XXXX, not an overdue/unpaid notice. 

Upon receiving the mailed documents from Transworld Systems, I immediately pursued written confirmation that no original debt existed. XXXX XXXX is now XXXX XXXX. I explained what was occurring and received the following response : " Thank you for contacting XXXX XXXX. We understand your concern regarding this balance and are glad to assist. We have confirmed that the amount of the final bill was covered and that there should not have been a balance to send to a collection agency. Our records indicate that you may contact them directly at the number XXXX to inform them that the payment was processed. We apologize for any inconvenience caused. '' Because I'm at the point of distrust for Transworld Systems, I contacted them through their support e-mail so that I would receive a response in writing acknowledging that no further actions would be taken. It has been weeks and the company has not responded. In reviewing this company, there appear to be a lot of people having the same issue with attempts to collect debt that does not exist.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

Card : XXXX ( store ) by Comenity Bank. 

On XXXX XX/XX/2020 I made my final payment of {$780.00}, my balance was effectively XXXX, then on XXXX XXXX I received an email stating that my payment of {$14.00} was due. This card is purported as having no fee, so disappointed I attempted on the XXXX in the morning at XXXX XXXX to contact them and have them explain the charge, the lady I spoke with, I believe XXXX, said it was a " finance charge for being late on my last payment '' which I was not. I asked her to remove the charge and she was not willing, so I asked her to close my account, she stated that she did. 

On XXXX XX/XX/2020 ( today ) I went back online to verify my account had been closed, it had not, and not only was it NOT closed but it had yet another {$14.00} balance that was due on the XXXX of XXXX, so I attempted to make a payment online to that amount and their system would not let me, it claimed I already had a pending payment for that amount, which I did not understand, I did not set that up. 

At this point I was becoming afraid that I had no power over what was going on, so I XXXX what to do and followed the advice of calling the number on the back of the card, using their automated voice menu system I directed the computer lady to close my account, which it confirmed that it had done, then it proceeded to ask me " Do you want a confirmation letter faxed to you? '' and I said no, I want it mailed to me, and the voice says " sorry I'm having trouble understanding you '' Their system will NOT send that confirmation letter by email or mail only a fax, I'm sorry, who has fax machines today? 

Bottom line, if they manage to get that other {$14.00} from me then they owe me {$29.00}. 

This type of treatment should be illegal.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (GA)

I filed a complaint with the better business bureau. The company has reported that I am am delinquent on a loan that they have admittedly blocked me from paying. They have lied about me making partial payments as well as my ability to pay online. For some reason at the height of the Covid-19 crisis the company blocked me from paying any amount online they indicated that I need to come in to the office to make a payment. I am being harassed by the company. 

In addition the company is a loan sharking company that prey 's upon the poor and disadvantaged. I was presented with a loan application that included all types of unnecessary insurances and and XXXX insurance etc. The staff is forceful and rude when inquiring about the additional charges. As a result of being able to read, and being educated I was able to tel them to remove the excess charges from my loan. However as a XXXX XXXX that works with at-risk populations. This company should be investigated for loan sharking and taking advantaged of low income people who have little or no options. Its really sad people like this exist. I can defend myself but what about the old person on a fixed income or the single parent or the XXXX veteran. These people make a living scavenging on the poor.
Consumer complaint received 2020-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CA)

I took out a {$5400.00} personal loan through Upstart to furnish our first apartment on XX/XX/XXXX. 
This account has regularly shown incorrect information on account balance for the last 3 months. I have filed online disputes on multiple occasions. I paid off the loan on XX/XX/XXXX I called them on XX/XX/XXXX to verify they received and showed full payment, and to see if there was anything they could do to expedite the reporting process since it has caused a dip in my credit score with the introduction of an auto loan. Their response was that they couldn't do anything until the regularly scheduled payment date XX/XX/XXXX per company policy. 
I track my credit scores with XXXX and XXXX XXXX. I've made most of my disputes through them.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (GA)

Problem with EQUIFAX credit reporting service. 

I tried to open a savings account with XXXX services. They rejected me with the explanation that they were : Unable to verify information on consumer report I accessed the free credit reports website, and XXXX and XXXX gave me a fine report. Equifax said they can not provide this information online. They " say '' they can if I provide hardcopies of data that I don't want to send through the mail. I'm not too sure about that after doing an online search and seeing entirely too many similar anecdotes. 

I don't want or need credit ; I was trying to open a savings account. But Equifax 's action DID hurt me. Can you make them stop?
Consumer complaint received 2022-04-19
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. (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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (NC)

I received no notification regarding a collection account now appearing on my credit report. The company never contacted me regarding the account therefore I was never able to dispute the validation of the debt. 

Reporting XX/XX/2020 with remarks affected by natural disaster.
Consumer complaint received 2020-08-08
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. (FL)

MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.
Consumer complaint received 2020-08-10
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 (TN)

I have sent several emails and letters to capital ones CEO Mr. XXXX XXXX. I received a phone call in XXXX telling me that the late payments That were reporting would be updated/removed and congratulations. 3 weeks later I received a letter stating that they would not be updated. I then sent another letter and email and was told that they had to report accurately when in fact I have proof that they have changed late payments for several people And I have copies of the letters. I had a medical complication but apparently this company does not care about their customers like they claim they do. The first person I spoke with in XXXX should not have lied and told me they would be removed within 30 days. Calls are recorded so please go back and listen to the call. Very unprofessional of your staff! ( Attached is proof that you all DO DELETE LATE PAYMENTS! So dont tell me that you dont )
Consumer complaint received 2020-06-16
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. (CA)

I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MA)

PNC has changed something digitally that prevents linking of accounts and digital payments. I now have to pay contractors with a credit card, and they get charged a fee. It's absurd. We used to be able to pay them via ACH by linking our bank account.
Consumer complaint received 2020-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing ( Loan Number XXXX ) has been making unauthorized withdrawals from my checking account in order to pay for forced-place homeowners insurnace. 

I have repeatedly provided proof of homeowners insurance ( XXXX ) and yet they continued to extract money from my account to the total of {$7700.00}. 

Repeated emails to the customer service has yielded only a halt to extracting the insurance premiums, but very little ( {$2700.00} ) in the way of refunds.
Consumer complaint received 2020-08-08
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. (TX)

XXXX {$30000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 85 Months Monthly Payment {$640.00} Responsibility Individual Balance {$30000.00} Highest Balance {$45000.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/0/0 Remarks --