davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (IL)

Aspire credit card has reported my XX/XX/2022 as late on both XXXX and XXXX. I spoke to an Aspire  agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and XXXX XXXX He did research and agreed that this was an accidental error on Aspire end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and XXXX. Which I did dispute this error on or about XXXX XXXX updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both XXXX and XXXX updated to XXXX being paid on time and my XXXX XXXX reflected the correction. Assuming this error by Aspire Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from XXXX saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my XXXX XXXX on both XXXX and XXXX. Admittedly I freaked and immediately researched the cause of this drop. My XXXX Aspire payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and XXXX in regards to this error once again. 

XXXX completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called Aspire on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this aspire agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the Aspire Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or Aspire Employee Number.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

During the period where they had issues with being able to make payments I decided I wont do business with them. I had a remaining balance of {$54.00} I paid this and locked the card thinkin that would be the last time I would have to be bother with them. In XXXX I noticed a balance of {$6.00} thinking maybe I forgot to pay it I paid this. I cancelled the card in XXXX the current balance is now {$36.00}. I called to try and have these fees waived they offer XXXX which doesnt make sense given I made XXXX payments where I thought the balance was paid only to be charged fees 2 days later.
Consumer complaint received 2021-10-13
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: GOLDEN 1 CREDIT UNION, THE (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 2021-01-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (TX)

This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.
Consumer complaint received 2022-11-01
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. (TX)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Balance : {$2900.00} ; XXXX, XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Consumer complaint received 2021-01-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500  %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH! 
THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I am unable secure permanent housing for this reason. Thank you.
Consumer complaint received 2021-10-12
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: All American Check Cashing, Inc. (FL)

RENTING A CAR FROM THRIFTY!! Purchased and paid for car rental thru XXXX. When I got to the counter at XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX to pick up car the rep asked me if I wanted to purchase additional insurance. I told him no that I was already a fully insured driver. In order to get the car I had to sign the contract. To my surprise that after I returned the car, they charged to my account {$430.00} without my authorization. It was a fraud and I am sure they signed without my authorization since I didnt receive any document. 

The same day I noticed the charge in my account I contacted Thrifty customer service to complain about the additional insurance that I never asked for it and I also contact XXXX to try to find answers about this with no solution from them. 

This is beyond wrong on every level. I will take this as far as I need to to get my refund and make sure everyone knows how this company does business. It is very important that you review all comments about this illegal procedures and frauds from Thrifty at XXXX XXXX XXXX
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2021 I went into an extension agreement with SunTrust. The agreement outlined a payment wasnt due until XX/XX/2021. They asked that I sign and return the written agreement, which I emailed on XX/XX/2021. 

On XX/XX/2021 I received notification my scores dropped XXXX points with XXXX and XXXX with XXXX. 

I am in the process of refinancing my home and the significant drop in scoring will prevent me from moving forward. 

I called SunTrust to assist several times. Ive explained the urgency- to no avail.
Consumer complaint received 2021-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX know as XXXX  comenity capital bank opened a new card on my account with a family member name, who never applied for it. who i never authorized to be on account. 
I called so many times to resolve the issue, i been told lies after lies, with a no minimum effort to help me.
Consumer complaint received 2021-10-12
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. (TX)

A person by the name of XXXX XXXX XXXX at XXXX XXXX called me today offering to do a loan for my home. I told them I was not interested in doing this now, but would be at the end of the month. He asked about my income, and there was some issue with using commissions as income until I worked for 2 years. He said that I need to make more money than I am currently making and that he was going to see what he could do about counting the commissions as income now. I specifically told him that I have no problem waiting for another year. He then asked for my information which I gave to him. The next step I was expecting was a call back letting me know if there was a way to use the commissions as income now instead of having to wait a year.Instead he had performed a credit inquiry using the information I gave him without my authorization. 

I immediately called him to ask him why he performed a hard inquiry without my authorization. I did not authorize him to pull my credit. He never specifically asked me if I would authorize the inquiry. He did tell me that the entire session was recorded, and when I gave him my social security number that in itself gave him authorization. I dispute this. I did NOT give him authorization.
Consumer complaint received 2024-02-14
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (WV)

Currently in a active loss mitigation plan and have a single point of contact who has not contacted me or barely answer any emails. Been working with a HUD approved counselor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a letter that my home was being sold on XX/XX/2024 through foreclosure but have not received anything that my loss mitigation plan was denied. I received the letter from attorneys on XX/XX/2024 and received a letter from Shellpoint/Newrez on XX/XX/2024 about needed more information for loss mitigations to schedule a repayment plan.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (RI)

My name is XXXX XXXX and my email associated with my PayPal account is XXXX My PayPal account was limited for 180 days and after the 180 days I struggled to link my bank and card to withdraw my funds. I contacted a PayPal customer support agent by name XXXX which she assisted me to link my card which I was able to withdraw {$6000.00}. 

I still have funds more than {$4000.00} and PayPal has not allowed me to withdraw these funds. 

Whenever I want to withdraw my remaining funds, PayPal will say " Sorry we couldn't confirm it's you ''. 

I previously withdrew funds to same card and now I want to withdraw again and PayPal is saying they couldn't confirm it's me. 

I have contacted different PayPal customer representatives who told me to wait for 48hrs and I waited without any solution. 

It's more than few week and the issue is not resolved. I need my money to pay bills. 

PayPal limited my account for 189 days and they sent me email telling me my funds are eligible for withdrawal, but why is it that when I want to withdraw upon logging in they will tell me they couldn't confirm it's me. 

The supposed to send a code to my email or phone number to confirm but they have not and no one from PayPal has resolved my issue for weeks.
Consumer complaint received 2020-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WI)

Hello, I accidentally scheduled a payment for {$1000.00} more than I intended on XX/XX/20, and I wanted to see if that could be applied as multiple payments. Initially I called the FedLoan Service number and was re-routed to the website. 
When I got to the FedLoan site, even though I have a username and password, I wasn't able to login. I tried everything I could, including resetting my password, getting my username re-sent, even going so far as to try and create a new account. The website would NOT let me do anything. I kept getting messages that either my information was wrong or there was already an account created. The website said to contact FedLoans by phone if having trouble with online accounts. 

So, I called the number again, got through to a female agent, but I could not understand her " ID Number '' and name. We talked about my issue for a little bit, and she explained that I don't have an online account. I explained that I was unable to even create an account online. She started saying and repeating that she can't help me with anything online until I have an account. I said, " Yes, I understand, but because I can not even create an account, I need help with that. The website told me to call this number if I needed help. '' Of course, she repeated " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if there was an IT department or a website person I could talk to. She said " No. '' Kept repeating her message ; " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if her supervisor could help me. She said she was not authorized to transfer me to a supervisor. I asked how I was supposed to be able to get online and she repeated the same message to me. Things were getting snarky and condescending, so I asked for her name and her ID number again. 

She literally said " Thank you for calling ma'am '' and HUNG UP ON ME! 

I hope you listen to this phone call because it was unbelievable! 
My phone number is XXX-XXX-XXXX I called between XXXX and XXXX XXXX XXXX on Friday, XX/XX/XXXX. 

Please help with my online account! I will try to call the number again later, but I am at a loss as to why this person was so unhelpful and utterly rude!
Consumer complaint received 2021-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-26
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. (GA)

I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a copy of my credit report and noticed the company in question reporting to the CRAs that I owe them a debt. I have tried on several occasions that they verify the information as accurate and send me the method of validations. They have yet to abide by my request.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2021-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.