davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KS)

I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees. 

I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so. 

Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of. 

Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX
Consumer complaint received 2022-07-25
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. (NC)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ACIMA CREDIT, LLC (CA)

I received a notification from My IDCare.com that there was a credit inquiry under my name or SSN from XXXX payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.
Consumer complaint received 2022-03-09
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NY)

I received a bill from XXXX XXXX in the amount of {$60.00} that was promptly paid with a credit card on XX/XX/XXXX. 

After that I started receiving similar bills from the same company for the same amount on a monthly basis. When I called them, they said that I had no outstanding balance. 

On XX/XX/2019, I received the letter from a debt collector asking for the same amount.
Consumer complaint received 2018-08-14
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. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-05-05
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: HYUNDAI CAPITAL AMERICA (GA)

This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

On XX/XX/2021 I sent a letter regarding an accurate 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. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

In XX/XX/2018 my student loan provider, Nelnet, contacted me via email regarding a change to my payment plan and that unless otherwise directed they would be putting the full amount of my payment toward my highest loan amount. The problem with this is that the interest on the other loans was not being paid down first so when I received my account statement in XX/XX/XXXX my total balance had increased by over {$50.00}. 

I contacted Nelnet customer service via phone on XX/XX/2018 and asked them to change my payment allocation back to the old payment method. When I brought up the email from XX/XX/XXXX, they claimed to have no record of this change and their excuse for changing my payment allocation was to help me pay off my loan faster. When I pointed out my loan amount had actually increased due to this change the customer service rep argued with me that it would in fact help pay off my loan faster as if sticking to some sort of script or talking points. After a bit of back and forth the rep did change my loan back to spreading my payment evenly across all loans. 

That is until this payment period of XX/XX/2018 when I noticed that once again the payment had been made to my highest loan amount and allowed interest to accrue on the other loans. This was done without my knowledge or consent and I will be seeking legal action if necessary.
Consumer complaint received 2023-04-04
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. (NV)

There are fraudulent inquiries on my credit report I want deleted. Without my authorization these inquiries were placed on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC (NY)

I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX  CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX   CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX
Consumer complaint received 2022-03-09
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: Merchants and Medical Credit Corporation, Inc. (MI)

I XXXX XXXX sent Merchants And Medical a cease and desist notice XX/XX/XXXX on a CFPB complaint with another cease and desist in writing. As of today XX/XX/XXXX Merchants and medical has violated the FDCPA by continuing to report several alleged debts on my consumer report which is in violation of 15 USC 1692C ( C ). My consumer reports are considered a medium of communication under the FDCPA. 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I demand all accounts listed on my consumer report by merchants and medical be removed immediately and cease further collection activity through ALL mediums.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Im upset chexsystems has cause may a lot of emotional and financial damage. They are reporting in accuracy information, which has caused me to get denied an opportunity to open a checkings account. Chexsystem has no contract with me to display this inaccurate information. They are showing two accounts that i was a victim of identity theft. I have a FTC report to prove this information.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX
Consumer complaint received 2018-08-14
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: AMERICAN EXPRESS COMPANY (WI)

In XX/XX/XXXX, I received an invitation to sign up for the NO ANNUAL fee Gold Delta SkyMiles credit card for XXXX XXXX employees and retirees. On XX/XX/XXXX I contacted American Express to sign up ( see enclosures for noted time, date, employee name and employee # whom I had spoken too ). On my XX/XX/XXXX billing statement, you showed a {$95.00} annual fee which I deducted from the payment believing it was billed in error. Subsequently, the annual fee occurred on my next billing statement. Reluctantly I made payment and then contacted American express. After 5 + weeks with no response from you I again withheld payment. I finally received a reply from your company in a letter dated XX/XX/XXXX. In your letter, you addressed a promotional offer that had absolutely nothing to do with the original promotional offer I received. Example, you state that bonus miles awarded after making {$2000.00} in purchases, please show me where in my offer that number appears, I show {$1000.00}. Also, you state members are eligible for a Single welcome bonus. If you read the promotion offered to me it clearly states PLUS No annual fee. American Express has continually billed me late fees the last 6 months even after I paid the annual fee. Consequently, this has had an effect on my Credit!! My balances on my accounts with American Express have always been paid in full monthly!! I have now learned that American Express has canceled my account. I have accumulated SkyMiles on that card that is close to XXXX points. I have patiently waited for a response to be made from AX, but as you can see in the attachments they are electronically prepared, they incorrectly address the issue, and when they do, the information is not even correct!! The last response received from AX was dated XX/XX/XXXX ( see attachments ) you will see an award of XXXX bonus points on XX/XX/XXXX, which is incorrect. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( retired )
Consumer complaint received 2018-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

There's been an error on the part of CHASE into my HELOC that has caused me tremendous grief and being on the phone for over three months. They are snarky and just awful -- which is the way people behave when they hold all the cards and there is no one minding the store. This behavior is abusive!!!
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I had my credit pulled on XX/XX/XXXX in order to obtain a loan. The lender informed me that I had a collection on my credit report. I was unaware that I had a debt, let alone that it had been sent to collections.The credit report states that this was a medical bill from XXXX XXXX XXXX in the amount of {$430.00} from XX/XX/XXXX. I called XXXX within a few days of finding out about this collection to inquire about the debt, and was told that the bill was from an emergency room visit in XX/XX/XXXX. At that time, I was under the impression that I was covered by XXXX. XXXX informed me on our call, this XX/XX/XXXX, that I was not covered by XXXX at that time and that my insurance had lapst about 2 weeks prior. After getting off the phone with XXXX, I called the collections agency. The collections companys name is USCB America. In an attempt to resolve the matter I asked if I can pay the debt and have the collection removed from my credit. They refused, so I asked to speak with a manager. A manager was not available at the time, so one was supposed to call me back. I waited about a weeks time and never received a call from a manager, so I called again. This time I was able to speak with a manager and was told that even if I pay my debt in full, they will not remove the collection from my credit report. I called again a few days later hoping for a different result, but was told again that even if I pay the debt in full, they will not remove the collection from my credit report.I was unaware of this debt, and I am trying to resolve it, but this collection company seems to want to punish me anyway.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I am Victim of identity fraud, i recently found out that someone has been trying to apply for credit card with my information and this lead to me having too many inquiries on my credit, Best-buy credit department decided to close my account that i have been having for over 5 years with good payment standing due to me having a lot of inquires on my account. i spoke to a young lady and she said there's nothing she can do even if i file a dispute, i will have to re apply for a new account, we all know how important credit age and history is on credit.
Consumer complaint received 2022-07-25
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)

I am already tired of submitting dispute letters to the XXXX XXXX sibnce they have been doing nothing! NO CORRECTIONS, NO UPDATE AND NO REMOVAL OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT FILE! I am stupefied by the Credit Bureaus consistency in ignoring my letters as well as non-compliance with the FCRA. the only option left for me is to file a lawsuit against the Credit Bureaus and sue them for the damages done on my Credit File. Is it that hard to remove these inquiries? I have been informing the Credit Bureaus that I was a victim of Identity theft and that these inquiries are never mine neither authorized by me! I need the following items removed completely from my Credit Report as soon as possible : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (IL)

The problem I'm having with the mortgage company/servicer is that they refuse to speak with me regarding my husband mortgage. This has happened month after month. So, I took the initiative to reach out in XXXX XXXX. To an organization that help with modifying the mortgage and lowering the interest rate but they refuse to speak with them as well. I feel as if I'm at the end of my rope that I now have to file a complaint against the mortgage company and the service of the mortgage. 
Please keep in mind I'm on the Deed, So my concern here is why are they given me the runaround and refusing to speak with me. 
This all started in XX/XX/XXXX my husband deceased XX/XX/XXXX. 
PLEASE HELP. 

XXXX XXXX,
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.