davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report .I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out! 

This collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX
Consumer complaint received 2020-08-14
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: SYNCHRONY FINANCIAL (NV)

I have a loan with SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX. 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, SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

capital one this has happened before capital one is rebilling me for items i did not receive. i told them this when i disputed it and they act as if the receipt from marshalls resolves this. I am filing a XXXX  against XXXX too. i received no items that i am being charged for and XXXX know this .so does the bank. i wont pay the XXXX and i will not use any of my cards until this is researched PEOPLE steal during pandemic maybe items show delivered i did not get and wont pay for them. Cap one does not listen when i dispute as this is what i said. so sendinga receipt does not resolve this. reverse XXXX i am not using any card now.
Consumer complaint received 2020-08-14
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 (NV)

I have a loan with CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE. 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, CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with Ally on a vehicle I traded in and paid off and opened a new loan. Ally sent ZERO information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, Ally did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and Ally should be held accountable. As stated by them there were many consumers effected by this and clearly Ally is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NV)

This is not my account I have not been hospitalized so why am I getting charged for something that isnt mine. You guys need to remove this from my credit because if you look at my credit history I pay all of my things on time. This is wrong and you guys need to delete this off my credit report.
Consumer complaint received 2020-08-14
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)

I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what's really happening? Please help me out! 

This Collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Green Square Company LLC. (PA)

I received a call on XX/XX/2022 at XXXX eastern time. They called identifying themselves as PRG collection agency -- by the way the second time I called them they had a different name. They first called my wife and threatened her, then they called me and threatened to put a lien on my home, take me to court and have a judgement against me and my family and I could possibly go to jail. The woman yelled at me and was nasty. It was very scary. My wife is at home alone with our small child and these people are threatening over a PayDay loan for XXXX -- XXXX XXXXXXXX XXXX THAT I NEVER TOOK OUT. EVER. They threatened me, my wife and my home.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Back on XX/XX/XXXX I challenged a XXXX XXXX  account with Experian, XXXX, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back on XX/XX/XXXX I challenged a XXXX Strong account with XXXX, XXXX, TransUnion, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I need XXXX  credit report UNfrozen for a refinance loan. I can not reach a person via phone & am unsuccessful online. Both methods refernto the other then claim I must send a US postal letter (!? ) They say they can't verify who I am with the info provided ( name, address dob, ssn, I have lived at my current addy for more than 2 yrs. ) I even confirmed my name & addy spelling spelling from letters received from them! I can not reach a person. Every time I call it says they can't verify who I am because my credit report is FROZEN! Duh.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

We fell into a few hardships since XXXX and have struggled to pay the auto payment. We have called numerous times since the end of XXXX to work out arrangements and try to get into a borrower assistance program. Capital One Auto have only offered a payment " catch up '' plan. This would be a decent program for others who may be one month behind ; however, we are going into our 3rd month. We had extensive auto repairs on my vehicle then had to pay extensive repairs on the truck purchased with this creditor. I recently called to let them know the co-borrower on the loan had been laid off and we could no longer afford the catch up plan. I requested some further assistance and again was only offered the same program. This is not helpful. When I have asked to speak to a supervisor, I'm told they aren't available and will call back. We are not wanting to default but we need help that Capital One Auto does not seem to want to offer.
Consumer complaint received 2020-08-13
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)

On XX/XX/XXXX, I disputed my credit report with Equifax and included XXXX   XXXX  in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. Equifax did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with Equifax that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.
Consumer complaint received 2024-04-10
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc (CA)

My name is XXXX XXXX and I applied for XXXX XXXX on XX/XX/year>. This is an online website and I was talking to a representative on the phone who guided me through the process of ordering the service. There was no contract involved. 

He did not mention that the monthly payments would go through a company called Affirm, a lending agency, which I did not know at that time. He did not say there was no cancellation or refund once your order is approved. After I signed up and went to a friends house, I decided to cancel. I was told that the policy is that there are no cancellations or refunds. But, since this was just a few hours later, that I probably would be able to get a cancellation. He gave me an email to email my request for cancellation. I emailed my cancellation request the same day. I was sent a refund ticket the next morning and the email said it might take 10-15 days to get a response. The response was given on XX/XX/XXXX. The response was that they would not give me a cancellation according to their policy. I have not received any service for tutoring. I don't want tutoring from them. 

So, I contacted Affirm. They are charging {$1900.00}. I explained what happened with the online tutoring service. On their website there is no mention that Affirm is a lending agency, and I did not know that Affirm was a lender until after I was approved, and then they mentioned a loan was confirmed for me. I was taken by surprise. 

Affirms response was that they will follow the policy of the online tutoring service. So, they declined to intervene on my behalf. Now they want me to pay for a product or service I tried to cancel even though I have not received any service or product from the online tutoring service. 

The online tutoring services phone number is XXXX and their email is XXXX and their website is XXXX XXXX XXXX 
I could not find any physical address at all. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-13
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. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WorldRemit Corp. ()

XXXX World Remit withdrew {$1200.00} XXXX cop from my account at XXXX XXXX for transfer to XXXX XXXX  XXXX. 

World Remit transfered {$1100.00} XXXX cop World Remit DID NOT ransfer the proper amt of money. 

I have contacted them by telephone and rec { d a case #. I have tried to contact by e mail and get only a computer response, not a person.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

BB & T has been reporting our mortgage payment for XX/XX/XXXX past due 30 days. The account was placed in COVID-19 forbearance on XX/XX/XXXX. The loan actually paid in full on XX/XX/XXXX, the wire was sent on XX/XX/XXXX. We have never had a late payment before and was reluctant to ask for the forbearance but we were assured there would be no repercussions or negative impact to our credit. XXXX, XXXX, and XXXX   need to have this late payment removed for both XXXX and XXXX XXXX as the mortgage was a joint account.
Consumer complaint received 2022-11-01
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: JPMORGAN CHASE & CO. (FL)

I submitted an electronic payment to XXXX XXXX XXXX ( Jp Morgan Chase auto ) in XXXX through my chase account. Due to intermitted internet connectivity caused by the hurricane the payment never reached its destination. As soon as I found out what had happened I immediately resolved the issue. Unfortunately this was over 30 days and now I have a late reporting on my credit report. I have a perfect history of payment. This was no fault of mine. I called chase and spoke with several departments with no regard for the situation. I would like for the late to be removed from my report.
Consumer complaint received 2020-08-14
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: Continental Finance Company, LLC (AR)

I APPLIED FOR THE XXXX XXXX REF XXXX AND WAS FORCED TO USE XXXX  AGAINST MY WILL. AND XXXX  AND CREDITOR BLOCK MY REPORT.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Back on XX/XX/XXXX I challenged a XXXX XXXX  account with XXXX, Equifax, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA Federal has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (CA)

For the past six months or more, whenever I attempt to file a dispute through the links provided within my Experian account, I receive an error message. 

Although, the error page suggest that I call into Experian for assistance, due to the Coronavirus situation, the wait times to get through to an agent can be lengthy. Also, many consumers like myself, tend to perform on-line errands during the weekend, and during the evenings. Unfortunately, the Experian customer service phone lines are not open during those hours and are limited to regular business hours when most people are working or in school and don't have the time to sit on hold for a 1/2 hour before receiving help.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCIALS hit my credit with something that is not mine they claim I went to the hospital in XXXX XXXX when I havent I have insurance with my job & I havent gone to the hospital this is fraud i was never aware of this charge. Nor who is using my information
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I have three inquiries from XXXX XXXX over the course of just 4 days, I do not remember giving authorization to this lender to do a hard pull.
Consumer complaint received 2020-08-14
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. (NY)

I Disputed this alleged collection account the last time I disputed them they deleted it off my account then added it back without sending me a reinsertion letter which is pretty disgusting so disgusting its a violation. The company reinserted the account XX/XX/XXXX of this year but The Status Date alone says XX/XX/2019 So how did they verify the alleged collection account and kept last years status date? So I want this account deleted now that i have everything on file with the CFPB.
Consumer complaint received 2020-08-14
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. (NY)

I Disputed this alleged collection account the last time I disputed them they deleted it off my account then added it back without sending me a reinsertion letter which is pretty disgusting so disgusting its a violation. The company reinserted the account XX/XX/XXXX of this year but The Status Date alone says XX/XX/2019 So how did they verify the alleged collection account and kept last years status date? So I want this account deleted now that i have everything on file with the CFPB.
Consumer complaint received 2020-08-14
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-14
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.