davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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: EQUIFAX, INC. (GA)

I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a XXXX XXXX baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (CA)

These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. 

( 1 ) XXXX ( Inquiry XX/XX/XXXX ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 4 ) XXXX ( Inquiry XX/XX/XXXX ) ( 5 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 6 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 8 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 9 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 10 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 11 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 12 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 13 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 14 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 15 ) XXXX OF XXXX ( Inquiry XX/XX/XXXX ) ( 16 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 17 ) XXXX/XXXX/XXXX ( inquiry XX/XX/XXXX ) ( 18 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 19 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 20 ) US SM BUS ADMIN ODA ( Inquiry XX/XX/XXXX ) ( 21 ) XXXX XXXX ( Inquiry XX/XX/XXXX )
Consumer complaint received 2021-10-02
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. (CA)

There is negative information reporting on my credit file that I am demanding get deleted and updated. The following companies have reported an inquiry ( Hard ) that was never authorized by me ( Fraud ). 

( 1 ) XXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX ) ( 2 ) XXXX ( Inquiry XXXX XXXX ) ( 3 ) XXXX XXXX XXXX ( Inquiry XXXX XXXX )
Consumer complaint received 2019-11-27
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: CURO Intermediate Holdings (DE)

I was an identity theft victim. As a result, there are unauthorized hard inquiries on my credit accounts. I have disputed them multiple times, but am always told that I need to contact the reporter. I have contacted the reporter multiple times. I have sent certified letters, made phone calls, and sent e-mails. The first certified letter was received by the creditor on XX/XX/2019. The hard inquiry still exists on my account. The creditor is SpeedyCash, which is a subsidiary of XXXX XXXX, XXXX. SpeedyCash has assured me, multiple times, that the accounts were fraudulent and that they will remove the inquiries from my credit reports. I sent FTC reports, police reports, and multiple documents proving this was a fraudulent inquiry, but it remains.
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: Experian Information Solutions Inc. (CA)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Applied through specific link for specific Bonus offer. 
Received a letter in the mail that they could approve me so as long as I call their phone number and reconfirm some personal information the app. I was told I would be approved shortly. 
I made sure with the rep on the phone that I will receive the precise offer I had applied for through the specific link I originally applied through. 
The rep confirmed that if approved, I would get whatever offer I had originally applied through online. 
I received a credit card in the mail 10 days later. There was no information about my bonus offer I specifically applied for. 
I called the bank and asked them to confirm my offer. 
I was completely shocked as the rep read a completely different offer. 
I explained what I had applied for. The rep promised to " fix '' the offer to the one I had applied for. Even for extra convenience I emailed the rep an actual screenshot of my exact offer and the website address link I applied through that goes right to it. 
I never got a phone call back from the rep even though they promised to call me back as soon as the offer was corrected. 
Instead, I called in and got a different manager and had to try and re-explain everything only to feel that this manager didn't seem to empathize nor care about my situation. 
They just said they would send a message to the back office and " ask '' about it. 
She then then called me back a few days later and happily told me that the got a response and that the offer is not being changed.???? I told her that this is totally unacceptable and makes NO SENSE. It was never a debate or plea. I provided exacting proof of what I applied for and told them they can also track their phone calls as I promised I would still get what I initially applied for even though I did have to call in to reconfirm info on my app. They also can use their IT department to see the precise link I had used to apply. ( If they didn't believe me ) She then tried to claim there is nothing she can do. I demanded a call back from the highest level executive, because I did not feel comfortable with this rep and also knowing that if my situation had been precisely communicated to the right person, they could easily find where they had mistakenly given me a different offer. 
The OFFER I applied for and rightfully deserve as promised is : " EARN XXXX bonus miles after spending {$2000.00} on purchases in the first 90 days, AND earn XXXX bonus miles after a purchase is made on an employee card '' NOTE : I have already MET and SURPASSED this within weeks of using my credit card. 
ALL I ask is that I be promptly credited with the XXXX XXXX ( XXXX AA Miles ) Please help. This is so wrong and unjust. It is more insulting when " managers '' who told me they totally understood and that the back office will fix the error, to then get the call I recently got rejecting me.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, a call came to my wife 's cell phone from Chase Bank Fraud Protection stating that her debit card ending in xxxx ( correct numbers ) had been attached to a XXXX XXXX. The automated voice assistant said to press 1 to authorize and 2 to deny ( or something like that ). She pressed 2 and then the automated assistant stated a code would be sent from Chase via text and to enter those digits. My wife had issues understanding and following the instructions but the phone kept ringing and the texts kept coming. Finally she entered the code which then initiated the fraudulent withdrawals from our Chase account. Chase was contacted by phone immediately to stop the withdrawals. {$4800.00} was taken before it was stopped. The card was cancelled and new usernames and passwords created. Chase initiated the investigation and we were provided a preliminary repayment on XX/XX/XXXX. On XX/XX/XXXX, the refunds were reversed by Chase Bank. I contacted the Claims department and was told that because my wife provided the code to the fraudulent Chase caller, this was not considered an Unauthorized Electronic Fund Transfer. After researching Regulation E and visiting the local branch, I was told the same thing and that claim was closed. I filed a police report and then researched the definitions in Regulation E further ( XXXX ( m ) specifically ) and online legal opinions. I called the Claims department back and Chase returned the refunds to my account. I'm left feeling that if not for my pushback, Chase would not have returned the money that is clearly protected by Regulation E.
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX XXXX Helzberg ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Comenity Bank XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Consumer complaint received 2021-02-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Bridgcrest credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.
Consumer complaint received 2021-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingUSA (WI)

since day 1 of being with this company we have had major issues. They keep charging the wrong account and routing number. I have placed multiple phone calls to them trying to them tell to stop doing that since I do NOT use that specific account. I have funds in a special account to pay for this loan payment. I was so frustrated with them on XX/XX/2021 I had called them and I told them I am sick and tired of the XXXX poor customer service they offer. If you look at my account I make my payment way ahead of time for a reason due to my budgeting. The issue is on XX/XX/XXXX I made 2 payments to the account loan so I can be closer to finishing the loan up. At that time a few days had passed I had noticed that the account was drawn from the wrong account where my bank charged me {$40.00}, due to my account for being over drawn since there is no money in that account which is the account I do NOT use. now my account is over drawn the {$40.00} to include the 2 payments I made that added to be XXXX so in total negative account was XXXX. I can't wait for them to refund me my money in 20 days. I need that money back ASAP, I live alone and have no other income. Am I supposed to grow money on trees? Listen to the phones calls that are so call recorded. I was told by a gentleman named XXXX he was going to mail me the check over night and send it to me, not even an hour later I get a call saying that he was no authority to that and he was not sure why he had told me that. Listen to the phone calls, they are liars, thieves, they care about their money and that is it. I urge you to listen to the last phone call on Thursday around XXXX from a gentleman who was so very rude terrible customer service, they way he talked to me is not the way to speak to a paying customer sorry to say.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).
Consumer complaint received 2022-05-26
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)

According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 14 violations of my rights accross 12 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609..

I logged into the Transunion website, to dispute these items and discovered that I could only submit one item every 30 days. It would take approximately XXXX year to get all these items corrected. I should be able to report and have items corrected in a reasonable amount of time.. 

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out ''. 

>>>Inconsistent and Inaccurate regarding Date Last Active for XXXX accounts ]. 
- XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX. 
Furthermore, some of these accounts have additional violations which are also highlighted below. 
. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX After a previous dispute of this account, Transunion XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
. 
- XXXX XXXX XXXX ( Original CreditoXXXX XXXX XXXX  ) Account # XXXX I never opened an account with Progressive in XXXX XXXX XXXX. This account should NOT be on my report. 
>> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX This Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXXXXXX Account # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (WY)

I entered into an agreement to pay Credit Corp Solutions {$2000.00} to fully and completely discharge a debt of {$2700.00} owed to XXXX credit. The agreement is dated XX/XX/2022. {$2000.00} was taken from my checking account by Credit Corp Solutions on XX/XX/2022. That amount was reported to XXXX on XX/XX/2022. However, Credit Corp Solutions, operating under a different name, purchased or re-reported the {$690.00} difference I did not pay in my settlement and has left it on my credit reports. This is clearly an attempt by Credit Corp Solutions to circumvent law and illegally attempt to collect a debt that was legally fully paid through a legally binding agreement by acting as a different company and using the credit rating system as a way to hold consumers hostage. I refuse to pay the {$690.00} and I want it removed from my credit reports immediately.
Consumer complaint received 2021-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).
Consumer complaint received 2020-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I have been paying on my loans with Nelnet for the past 10 years on time while working at the XXXX XXXX XXXX XXXX.. I used my income to qualify for payments over the span of 10 years there was always an income requirement for the payment to be based upon.. I called once I was medically retired to see about having my balance forgiven, they now informed me that the plan I was on was not that particular plan for the balance forgiveness.. NELNET calls it the graduate payment plan, but when my income decreased I called and asked them to lower it and when it increased I called and asked them to increase or the increased it. It was always based on my income now they are saying that plan is not the income based plan.. they also stopped Sending statements because they told me that I was prepaid until XX/XX/2020. Now is XXXX and I get an email past due {$64.00} but I am pre paid until XXXX I think they are playing word games with me and thousands of other student borrowers and it is not right or fair.. I paid may loan religiously year after year income based. Now when I want to balanced forgiven, that was not the right plan.. that is not what they told me. That is not right.. I had to put my loan into forbearance for a mistake they made.. I was already prepaid until XXXX of this year..