davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
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: AMERICAN EXPRESS COMPANY (TX)

I received a voicemail that I needed to call about a problem with my American Express card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because XXXX had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell American Express that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. American Express said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called XXXX. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call American Express but I could have American Express call them. Well, American Express can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to American Express at a cost of {$32.00}, but American Express says they never received it although I have a successful transmission report. I can't submit a dispute with American Express because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at American Express that cares. To be fair, maybe the error was with XXXX  but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my American Express record. Is there any way that you could help?
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TN)

I received a debt collection letter in XXXX of XXXX about a PayPal debt of {$3300.00}. This was a result of identity theft. I contacted PayPal, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX XXXX for a PayPal debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe XXXX XXXX is trying to collect the same debt that was resolved with PayPal last year.
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

When I learned about the public student loan forgiveness program, I called Navient to ask if my consolidated loan qualified for the program and was informed that yes it is the correct loan. I was also given information about making sure that I paid my payments on time, do not defer or go into forbearance as this would disqualify me from the program. 10 years later, I downloaded the application for forgiveness, completed the form, had the correct person at my not-for-profit , county hospital sign the form and mailed it off. Imagine my excitement when I received a response in a timely manner. I then learned that I did NOT have a DIRECT student loan and therefor did not qualify for forgiveness.I called Navient to complain and basically was told no proof? too bad! I had a XXXX dollar loan and have been paying diligently for 20 years. I still owe XXXX dollars. I am now receiving calls from every student loan company imaginable with supposed information about suing Navient however this is a hook to try to talk me into consolidating my loans into a Direct student loan so that I can pay for another 10 years. I will be XXXX. I do not plan to continue working until XXXX. Navient must have sold my information for all of these companies to suddenly be aware of me wouldn't you think?
Consumer complaint received 2023-03-25
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: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2022, I noticed an unauthorized charge of {$130.00} by XXXX XXXX on my Citizens Bank Credit Card Cash Back+. I immediately called the bank to report the fraud. The credit card was closed and I was issued a new credit card and was told the issue should be resolved within 2 billing cycles ( it has been more than 2 billing cycles with no resolution ). Since then, I have called numerous times for updates on the case and every single time, I have received conflicting information. For example, I have been told someone from the dispute department was going to reach out to me but no one has so far or that they can't find a record of the dispute or the dispute has been resubmitted to escalate it.
Consumer complaint received 2022-03-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

was late on 2 payments right before hurricane Harvey hit in 2017 i contacted santander the 2 weeks before and did i promise to pay and two days later, my car was gone .... never returned my calls and refused to let me get my personal belongings out the car ... {$12000.00} owed on the car
Consumer complaint received 2022-03-13
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I hav

e been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

Hello, How are you? 

I recently went on XXXX XXXX to check my credit score, specifically XX/XX/18 around XXXX EST. I saw an outstanding debt from Barclays Bank Delaware for around {$460.00} that I do not recognize. The credit card account is opened on XX/XX/2018. I have not travelled outside of NY state in the year 2018 from XXXX to XXXX and have never opened up this credit card. I have never received calls or statements from this bank regarding these outstanding balance. Since I also found another unrecognized credit card opened with outstanding debt from XX/XX/2018, I believe this mistake is the result of identity theft. I have since filed a report with Consumer Financial Protection Bureau and will be filing a police report with local XXXX. Please help resolve this dispute. 

Thank you!
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (OH)

In accordance to the Fair credit reporting act. This creditor XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-29
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. (MS)

The following student loans were reported on my credit report XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (SC)

I purchased a gym membership for XXXX XXXX in XXXX on their website. I payed a higher monthly cost to avoid being locked into a contract for a set amount of time. After about XXXX months I canceled my membership on the same website that I purchased my membership from. XXXX XXXX charged me again after cancelling so I resorted to deactivating my debit card. About XXXX months later I noticed the collection on my credit report. After contacting XXXX XXXX  I was given the phone number of First Credit Services. I called and was told that I owe them {$79.00} and if it was not payed in XXXX days they would take additional action. I was also told that the amount was more but I made a payment which I never did since I didn't even know there was a collection. I was also told if I payed immediately that it would take XXXX to XXXX business days for the collection to not affect my credit report.
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX A XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial (TX)

Hi Team, I came across a furniture page on XXXX. They said they have a physical store in a location that I will share. They said I can pay via financing so they shared me link of Koalafi ( Formerly West Creek Financial ). I applied and was approved for $ XXXX. They placed the order and said it'll take few days. Upon repeated calls, messages etc he told he can't deliver the order and will take additional month! I said in that case I would like to cancel my order as I was relocating and wanted furniture for my whole house. He said okay but then I called Koalafi to cancel the loan but they said they'll only cancel once that store owner calls and cancels. I called him again but I ended up being block on all the platforms. I have already made few payments to KOALAFI and they are not cooperating with me. They said they can't do anything despite the fact that they are the ones doing direct business with them. 
As a customer, I never knew what loan service he is providing me and I assumed that if Koalafi is working with a store manager it should be legitimate because I worked with Koalafi in the past and had the best experience. There must be any way to resolve such disputes rather than asking customers to call Store directly esp. when they are not responding in any way ( Call, Email, XXXX nothing ). Also it is mentioned that Koalafi release payment to merchants once the items are marked delivered which in any way wasn't marked by me. Just like a credit card dispute I was assuming Koalafi would assist me but their customer service hung up on me and said I need to pay all the payments until that store calls and cancels the order. I am calling them for the past 1.5 months and there is absolutely no one helping me and extremely rude including their supervisor. We all know this is not how a dispute works. 

Can you please help me sort this out? I have almost $ XXXX loan due for something I never even received. I am very stressed out and have no idea how to resolve this. Your help will be really appreciated. 
Furniture Store : XXXX XXXX XXXXXXXX Contact No : ( XXXX ) XXXX Koalafi Loan No : LOAN # XXXX Thanks XXXX XXXX
Consumer complaint received 2018-10-29
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. (MS)

The following student loans were reported on my credit report.. XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX , XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX..Based on my research, all government funded loans are not allowed to be reported , this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

At my direction, XXXX XXXX electronically sent Synchrony Bank/Amazon {$12000.00} to pay my charge card bill which was for only {$1200.00}. Thus, the payment included an overpayment in the amount of {$11000.00}. This payment which was due on XX/XX/XXXX was received by Synchrony on XX/XX/XXXX On XX/XX/XXXX, when I first became aware of this overpayment a representative from XXXX XXXX and I contacted Synchrony ( XXXX XXXX ) and asked that they electronically deposit the overpayment back to XXXX XXXX XXXX checking account, where the funds had originated. Synchrony informed us that could not do that but that would within the next 30 days send me a check for {$11000.00}. 

On XX/XX/2023, not having received the check, I contacted Synchrony. I was informed that they did not send me a check because they needed written authorization from XXXX XXXX to do so. However, after speaking to a Synchrony supervisor I was told that she would request their accounting department to send me the overpayment on an expedited basis, and that I should receive the check by XX/XX/XXXX. 

On XX/XX/XXXX, not having received the check I contacted Synchrony and was informed that the check had not been mailed but that it would be sent and that I would get it within the next XXXX to XXXX days. I was informed that the check had not been sent because receipt and clearance of my payment needed to be verified. A supervisor whom I was transferred to then told me that the check had in fact been sent on XX/XX/XXXX, and that I should receive it by no later XX/XX/XXXX. 

On XX/XX/XXXX, not having received my reimbursement I again contacted Synchrony. I was informed that a check in the amount, {$10000.00} had been sent on XX/XX/XXXX, and that it would take seven to days for me to receive it. I was informed that the check had not been sent sooner because I had not requested a refund until XX/XX/XXXX. 

On XX/XX/XXXX, I also sent Synchrony a written request for a refund asking that they send me a refund within seven days of receipt of the written request
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-05-09
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)

On XX/XX/XXXX I applied for pre-approval on a home loan through my personal bank with which I have done business for 20 years. When they tried running my credit report they informed me that EQUIFAX had a freeze placed on my account. 

At no point have I ever requested any kind of freeze be placed on my account, nor did I give EQUIFAX permission to do so. 

Since learning of this situation I have been trying to remove the block. Each time I speak with a representative they ask a series of time consuming and detailed questions about my credit history. Even though the answers I provide come directly from XXXX and XXXX  reports, EQUIFAX states they can not access my account because the answers are wrong. 

It has now been nearly two and a half months and I have lost the opportunity to purchase two homes I bid on. I am in danger of soon losing out on a third. 

EQUIFAX is consistently know as a troubled company. They have leaked personal information on several occasions. They make it exceedingly difficult to access or change information on personal credit reports. They insist that sensitive documents like Social Security cards and driver 's licenses be delivered to them via unsecured means like fax or postal service. Their turnaround time on requests and inquiries is abysmal. 

Considering the vast power credit reporting agencies have on buying power, potential employment and government security clearances, they should be easier to work with and deliver much better customer service. In comparison with XXXX and XXXX, there are serious improvements needed at EQUIFAX before they should be entrusted with the fate of so many people.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd. (PA)

harris & Harris original criditor XXXX XXXX XXXX hospital this company has damamge my credit XXXXXXXX XXXX hospital was suppose to be getting this debt settled because it was a work comp issue.i told them nurmorous times to contact the job or work man comp