davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (PA)

I use DIRECT EXPRESS debit Master Card to receive my SSA benefits. On XX/XX/XXXX I noticed a charge for {$120.00} was posted on my card acct. that I did not make. The amt. was posted on XXXX XXXX. On the XXXX, the card co. was notified, I cancelled the card in question and a new card was issued. I followed the fraud complaint protocol and info was faxed back to DE. My contention is I was issued a provisional credit for {$120.00}. on XX/XX/XXXX. ON XX/XX/XXXX it was reversed prior to any decision being made. I need my money.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

This debt is not mine and stems from identity theft. A former friend and co-worker incurred this debt and acted on my behalf without my consent to secure phone lines and phone privileges with this company. I have and will always deny this debt because it is truly not mine.
Consumer complaint received 2021-06-11
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. (NV)

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On Transunion report the orginal credit is not listed but is listed with XXXX this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
Transunion and XXXX showing XXXX XXXX for Transunion status ( open ) but for XXXX and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for Transunion status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-11-06
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)

I have disputed the XXXX/XXXX collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account. All bureaus except Equifax have removed this fraudulent account from my credit report and Equifax has never replied to any of my multiple disputes. 

I also disputed the XXXX Card collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.
Consumer complaint received 2019-06-23
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. (MO)

This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. XXXX and Transunion didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX
Consumer complaint received 2019-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Contacted NetCredit for XXXX in XX/XX/2018. At the time was never disclosed of interest rate of 59.75. To my surprise I had benn making payment of {$140.00} and noticed loan amount was going up instead of down. They are totally ripping me off. Never told me that they would be debiting my account twice a month. I borrowed {$3100.00} and have paid a {$1000.00} dollars toward account and balance says XXXX. Had I of been told upfront was a payday loan I would of never taken loan. NetCredit took advantage of a XXXX year old woman who supports herself with a 59.75 % interest. Please help.
Consumer complaint received 2019-06-23
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. (WI)

Got email from EQUIFAX. went online to review it ( XX/XX/2019 ), put all my information in, again as usual Equifax online system doesnt work. I called their # XXXX, again after answering full name ss # address mortgage amount and bank, previous car loan bank name, my credit card company and other questions, still denied dispute results cause it " was not me '' told them mail results then I gave you my address and I have given you state drivers license. It's still not me, FCRA VIOLATION? I even told them what company dispute was about ( only l would know that ) yet it's not me. I'm so fed up with bureaus employees ( bad speaking English ones ) dont know the laws. So lm denied dispute results, it's a joke and Equifax needs to fix their online portal..
Consumer complaint received 2023-04-29
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. (NC)

To Whom It May Concern, I am writing to dispute a charged off credit card account on my credit report that I believe is inaccurate. The charged off account was opened with XXXX XXXX XXXX and was charged off in XX/XX/2022. 

I believe that this charged off account is inaccurate because the creditor 's failure to provide a monthly statement, incorrect reporting of the balance due, to top it off they are also reporting this account 2 separate times on my credit report.
Consumer complaint received 2021-06-11
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-04-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have been getting strange emails from the credit reporting agency saying something about a dispute from your bank Just curious if they have the wrong person could you tell me if you got any disputes from any of the reporting company for me? Just curious they have the wrong person
Consumer complaint received 2019-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (IL)

On XXXX, XXXX, I received a credit alert that there had been medical collections placed on my credit report. I'm closing on a home XX/XX/XXXX and these medical collections has hauled my closing. On XX/XX/XXXX, I called Nationwide and spoke with XXXX I asked about the collections and explained I had not received notice in the mail. I explained that I need to have these removed because I was in the process of closing on a home. I asked about date of service she stated in XX/XX/XXXX. I did not argue about the bill because I needed these to be removed so that I could proceed with my closing. I asked XXXX if I paid would these collections be removed, she stated that they would be. I asked if she would be able to fax me proof of payment so that I could submit to the loan officer. She stated that should could only give me proof if I come into the office in XXXX XXXX, Illinois and made the payment. 

I then reached out to XXXX on XX/XX/XXXX and explained that I would be coming into the office to pay. Once I arrived I spoke with XXXX, the receptionist. I explained that I need to pay collections and I needed itemized bill from hospital showing what I owed. She stated that the lady that handled that account is out of town and would return next week, but XXXX would fax over the itemized bill and the collections would be removed the XX/XX/XXXX which is when Nationwide ran information to credit bureaus to be removed. 

On XX/XX/XXXX I received another alert that Nationwide had placed the same collections again on my credit reports after I had paid the accounts off. Now I can't move forward with closing, in fact the deal may fall through because of these four collections which two of the collections are duplicate? 

The way that Nationwide  had damaged my credit is unfair and it could cost my dream of being a first-time home owner to be lost.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-02-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Account Number XXXX I have requested validation regarding debt owed to Portfolio Recovery multiple times. The last time was in XXXX. Instead, the company has been sending information they obtained from XXXX  XXXX with no signature showing that I agreed to pay Portfolio Recovery the alleged debt. I have request copies of documents ( not old XXXX  XXXX bills XXXX with my signature to serve as verification of the said debt owed. Under the FDCPA, I have the right to request a copy of contractually obligation, with my signature agreeing to pay this said debt. Additionally, the statute of limitation in the state of SC for credit card debt collections is 3 years and a copy of the notification sent to me from Portfolio Recovery ( after requesting validation-a bill, not validation/verification with my signature agreeing to pay them ) is dated XX/XX/XXXX.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

The following accounts are all fraudulent, has previously been deleted from my credit report by XXXX countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX  XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Brelvis Consulting, LLC (KS)

I started making payments to the XXXX XXXX XXXX XXXX for help consolidating my loans and getting out of default on XX/XX/17. I was promptly emailed several documents to fill out, along with requests to send income documentation. Despite sending all requested documentation multiple times, XXXX took no action on my loan consolidation as agreed in our contract. I received multiple emails claiming the reason they had not moved forward was because they had not recieved my income documentation; despite multiple email and snail-mail mailings of said information on my end, and an email from XXXX confirming the receipt of this information. XXXX also created an unauthorized XXXX account in my name during this process that made it very difficult for me consolidate the loans on my own after they took no action, as I was locked out of the XXXX website containing the documents I needed to apply for help with a legitimate company contracted through the education department.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/2019 {$0.00} ... ... ... ... .Reported late in the past but i was never late.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (MI)

I received a email from Acima and XXXX XXXX, saying I was late on my payments come to fine out someone had open accounts in my name used my old address at XXXX XXXX XXXX XXXX XXXX GA XXXX They leased some furniture from a place called XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I also call the XXXX XXXX police file number XXXX. No one is doing anything but in the mean time I am getting collection notice neg on my credit. Please help I don't know what else to do. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (SC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I noticed a hard inquiry by Capital one on XX/XX/XXXX on my XXXX  credit report. I did not apply for any bank loans/credit cards. I called Capital One XXXX on XX/XX/XXXX XXXX directly to let them know and to find out who gave permission for this inquiry. Capital One was unwilling to provide any information. I was directed to write a letter explaining what I already explained by phone. I explained that because I did not do this inquiry that it means there must have been a sign of attempted identity theft. Capital One stated that they could not provide me with any information about the inquiry of XX/XX/XXXX. I then contacted XXXX, whom directed me to call Capital One and request a letter of deletion and an authorization letter. I explained that I called Capital One already and they did not provide me with any information and I was told that I did not appear on their records as someone who applied for Capital One credit card. Thus, calling them to ask for these items would be futile.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AR)

Comenity bank ( XXXX XXXX credit card ) calls mine and my husbands phone at least 5 times a day trying to collect the amount owes. I am willing to pay them just have not been able to. I am not working full time right now and am a full time college student. I have told the company I will make a payment when I can but they are relentless and call every single day, multiple times a day
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (MO)

I spoke with a customer service representative and asked could they delete the late payment reporting status if I paid the account in full. The customer service representative said yes. I paid the account in full. Regional finance is still reporting the account in late status on XXXX and XXXX.
Consumer complaint received 2019-06-23
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: Ascendium Education Group (CO)

Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!
Consumer complaint received 2019-06-23
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)

The social security administration has lost a check I mailed XXXX-19. I called them and was told they are 3 months behind in processing checks. They fraudulently posted a derogatory status on my credit reports which caused my score to drop 21 points on 2 bureaus and 69 points on the other. They list the check and this is fraud caused by their failure not mine