davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (IL)

I had a personal loan that was paid through a garnishment back in 2016. World Finance continued to report a balance on my credit. They had been provided all documents from XXXX yet still reported the balance. My wife and I have contacted them by phone numerous times with no resolution. They did say that the original branch that held my loan account had closed and files were transferred so the records were not properly updated. Regardless of the fact that documentation was provided to them no change had occurred. Since we are closing on a home we felt trapped and paid the {$210.00} balance to get this debt removed. 
Due to their incompetence we requested the account be deleted from my credit. Now they will not even return a phone call.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.
Consumer complaint received 2021-05-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have received a copy of my credit report and it shows company CAPITAL ONE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$470.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (KY)

Equifax has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX, which Equifax reports negatively that I owe this company. There is no contract. This debt is not mine.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CO)

IQ Data International is falsely reporting ( to all three credit reporting agencies ) a debt that is not owed and attempting to collect that debt. Their client ( XXXX XXXX ) has written a letter, on XXXX 's letterhead, noting they have no record of such debt. I sent a request for validation, and it was received by IQ Data Int. on XX/XX/XXXX, and a copy of the XXXX letter was sent along with that ( and again on XX/XX/XXXX ). IQ Data Int. has not provided any response to said letter to date. XXXX XXXX XXXX. confirms that they have no, and have not asked for from their client, any documents that would validate this debt ; rather, computerized communication is used to " validate the debt ''. Despite the letters and phone communication with IQ Data International, they refuse to make any effort to confirm the debt, beyond a computer survey, and hold no documents that verify that I am the intended debtor and/or that the debt is legal/owed in any way.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I purchased 2 tickets from the following individual on XXXX : XXXX XXXX XXXX I paid {$160.00} via PayPal on XX/XX/XXXX to XXXX He never delivered tickets to me and has now blocked me on XXXX.

I have the entire conversation saved and attached screenshots.
Consumer complaint received 2019-07-15
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: LEXISNEXIS (GA)

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Consumer complaint received 2019-01-06
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)

On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX  I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.
Consumer complaint received 2019-07-15
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: Innovis (GA)

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (OR)

To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess Barclay bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from Barclays again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office
Consumer complaint received 2019-07-15
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (TX)

In 2014 I went to Wells Fargo at XXXX XXXX XXXX XXXX in XXXX, Texas with my mother to get a small student loan to cover the gap between my scholarship and my government aid. During the Loan application process the Wells Fargo associate told my mother and I that my loan would not accrue interest while I was in school, much like the federal subsidized loan I had just taken out. My mother has also confirmed that this associate explicitly told me that the contract I was signing meant that my loan would not accrue interest while I was in school. I was XXXX years old so I did not understand the terminology and signed the papers at the assurance of the associate. 

Five years later, I am looking at my Wells Fargo documents to check where I am with my loans in total, so I can anticipate the amount I need to payback upon graduation from law school. I notice that I have accrued almost double the amount of the loan in interest since it was signed in XXXX ( at an interest rate of almost 12 %, which absolutely should have been lowered as my credit score raised ) The Wells Fargo App only ever shows the principle interest and I had been led to believe that it was not accruing interest by the Wells Fargo associate so it was something I pushed to the back of my mind. There was no reason for me to believe that the loan was accruing interest between what the associate had assured me off as well as the principle balance being the only balance reflected on the Wells Fargo portal. 

I contacted Wells Fargo and they set me up with a customer service representative, Ms. XXXX XXXX at XXXX extension XXXX and she did nothing to help my situation. She reported back to me that the manager at the bank had " no records '' of my student loan which is incredibly suspicious seeing as how Wells Fargo has had a problem as of the last few years of predatory loan practices. I told her that I was misled and lied to but she insisted it was my fault and I was informed because I signed the documents, again, I was XXXX years old and didn't know what 'interest ' really even meant. So I believed whatever the Wells Fargo Associate told me. 

I am not a XXXX  person ... I have a credit score of over 750 and I am in law school -- what Wells Fargo did to me is wrong and I am worried for all of the other XXXX year olds out there who are being misled and LIED to by Wells Fargo in order to get them to sign loans and pile on the interest payments. 

Wells Fargo has told me there is 'nothing they can do about my situation ' but I know that that is also a lie. They are engaging in predatory behavior toward young and uninformed borrowers, and when I asked them to find out why this person misled me they returned with " we have no records. '' I am very concerned about these predatory loan tactics and I am looking forward to hearing from you. 

Thank you.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one has repeatedly produced no efforts to fix billing errors and/or corrections of closing accounts after being served with furnished instruments and negotiable instruments with correspondents to the accounts between XXXX thru XXXX and current. STATUS UPGRADE has been established under Bankruptcy policy and UNFAIR PRACTICES. They still produce periodic billing statements after payment of debt has been deposited with stipulations of UCC and U.S.C. regulations. Rejection on negotiable instruments TITLE 15 USC 1611 1604 1605 1666B TITLE 18 USC 8 12 USC 411 18 USC 911 16 CFR 433.1C 16 CFR 433.2 16 CFR 433.3 HJR 192 ( 73-10 ) ( CHAP 48.48 ) UCC 3-308 3-603 3-306 3-311 3-104 3-419 3-502 3-501 WITHOUT RECOURCE {$400.00} and up as high as {$8000.00} current
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated,  which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.
Consumer complaint received 2022-08-28
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. (GA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

This is related to Paypal dispute case XXXX. I purchased a product manufactured by XXXX from a vendor through their website on XX/XX/19 and was provided a confirmation email with order number XXXX. I tried contacting them a couple of times via email to ask for an update on when the product would ship, but they did not respond. I contacted XXXX, and they told me this website is a fraudulent one. I then contacted PayPal on XX/XX/19 to report the fraudulent activity and request a refund. The vendor provided a tracking number on XX/XX/19 and an incorrect item was delivered to me on XX/XX/19. 

The item delivered to me is a cheap knock-off of the item I purchased. While it has a similar appearance, it is not the product made by the manufacturer. I can tell because the real product includes the XXXX name and logo as well as the name of the product on the physical product. This imitation product does not have any such logos or names on the device. Additionally, both the carrying case that the fraudulent product arrived in as well as the User Manual included do not have the XXXX brand or logo on them or indicate in any way they are manufactured by XXXX. The carrying case itself is not the same packaging that is used with the actual product. I found the actual product in a local store and it comes in a box, not a carrying case. 

The sales receipt I received via email confirms I had ordered the " XXXX XXXX '', not an imitation item. 

Paypal has repeatedly acknowledged that I received a fraudulent item, but has told me I must mail the item to XXXX, with tracking information, in order to get a refund. The cheapest way for me to do this costs {$410.00} per my visit to the XXXX store, which is more than the cost of the item. The item shipped to me from California, not XXXX. 

I have spent over two months attempting to resolve this dispute with PayPal and we are now at an impasse as they refuse to refund me or provide me a reasonable place to ship this fraudulent item despite their acknowledgment that I never received the item that I ordered and paid for. 

I request a full refund of this imitation item shipped to me that the vendor fraudulently represented as the real product.
Consumer complaint received 2022-08-28
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: American Credit Acceptance, LLC (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Called them telling them ( 5th 3rd ) I cant make payments ( 3 payments behind ) because of unemployment  not being able to get to me back ( also filled for there 3 months forgiveness act when it came out ), on XX/XX/XXXX i made 1/3 payments ... because Im just starting to get unemployment  this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment  being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment  being late.
Consumer complaint received 2019-07-15
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on __XX/XX/19__________. It has been more than 30 days, and I have not received any proof that your company validated the debt. 
Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I 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 30 days gives a reason to immediately remove 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 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My mortgage holder 5/3 bank erroneously paid the ( previous home owners insurance company ) with my Escrow account resulting in {$1200.00} shortage in my account. I had paid my insurance in full for the year prior to them dispensing funds from my escrow account to someone else 's account. This has raised my house payment an additional XXXX per month. They also failed to pay my property taxes and I have receives a tax lien/ sheriff sale threat against my property from the County Treasurer. I have been trying for months to get the resolved by 5/3 and the Manager will not even return my phone calls.
Consumer complaint received 2024-03-06
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.