davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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. (IL)

I had a medical procedure done around 2018 and had an outstanding debt to a hospital for over {$1000.00}. I still hadn't paid this outstanding amount after a few months went by. Then, XXXX day XXXX received a letter from the hospital saying that if I paid just {$140.00} then they would completely eliminate the amount I owed and consider the account paid in full. So, I paid the {$140.00} after relying on the hospital 's representation that this would completely eliminate my outstanding debt ( proof of this letter is attached ). But rather than consider my account paid in full after I sent them the {$140.00}, the hospital continues to say I owe them money. So I disputed this with Experian and showed all of the necessary proof to support my assertions ; but, rather than side with me the credit reporting company sided with the hospital/debt collector.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (OH)

According to my credit report I have a balance due to Credence resource manage for {$620.00} however I have not been notified of this debt and I am not aware of whom XXXX XXXX is I would like to dispute this claim due to insufficient information regarding whom the debt is with. Also this debt if over 5 years old/
Consumer complaint received 2020-02-26
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: BARCLAYS BANK DELAWARE (NY)

Hello, While away on vacation in XXXX of 2017 my card was fraudulently charged for several items. Barclay bank perform an investigation and subsequently restored the transactions. Once I asked for the documentation for the reversal was told only with a lawyer via a subpoena can they release records.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CA)

I have been receiving repeated calls from a variety of phone numbers over the past three weeks located in XXXX, NY. The calls use a combination of real people and a recorded voice. They threaten to call my employer and that they have legal claims against me. They say that if I dont call them, they will take legal action. I called them using the claim number they gave me ( XXXX ) and they wanted my social security number, plus a lot of additional personal information. Plus, they wanted payments in order for it to go away. Im a smart person and knew that I had no legal cases pending against me. I also XXXX  the phone number ( XXXX ) and there were many people who reported the same harassing calls and that they were spam. The callers have also been calling my husband 's Phone on behalf of me and who knows what other relatives of mine. I have been blocking them, but I dont want them calling my employer or any of my relatives. This is harassment and needs to stop. I have been registered on the Do Not Call list for years.
Consumer complaint received 2019-01-21
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. 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.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OK)

XX/XX/2021 I ordered some stuff off XXXX that never arived I went elsewhere to get it so I asked for my money back well it took them 2 weeks from the time I received the email saying XXXX issued the refund but paypal had no mention of it still trying to reach provider will email me with the decision then the money showed up along with my acount being locked up and for 3 days now I've called customer service and they say my funds are frozen for 180 days call the next day and then was told the can fix it it would take 1 hour and I can withdraw my funds well the hour never came so I called again to day and this time it's frozen 180 days I got upset with them then all the sudden he can fix it check my email it would take an hour and I'm sure you guessed it the clock passed 12 hours so I need some one to step In this is all cause somthing I had no control over its not much money but by me not having it when I needed it I'm in debt XXXX dollars cause paypal decided to steel my cash and it's not fair that they just do whatever they want and say you can't use paypal no more or have the funds that belong to you it's ours now and XXXX you and your bills let em stack up late fees
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

I rented a unit from XX/XX/XXXXXX/XX/XXXX located here in XXXX, KY, I was forced to vacate the unit and did not stay until the lease expired. But my complaint here I do not agree with the amount being reported on my credit. I have asked repeatedly to get a complete break down of the total {$2800.00} being reported on my credit file. No one from National Credit Systems ever responds to my dispute letters.
Consumer complaint received 2020-02-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (LA)

A loan was taken with Sallie Mae, account number XXXX, in XXXX. Complainant subsequently declared Chapter XXXX bankruptcy with this loan listed on the debt schedule, and Order of Discharge as issued on XX/XX/XXXX. 

The United States Fifth Circuit Court of Appeals Decision in Crocker, v. Navient Solutions, LLC, No. 18-20254, ( 5th Cir. November 21, 2019 ) states that such loans as the one mentioned above are dischargeable in bankruptcy. Therefore, this loan was discharged in bankruptcy on XX/XX/XXXX. The Respondent, Sallie Mae, the information regarding this loan was reported to credit bureaus as if it were not discharged. Many correspondences were sent to the Respondent informing them of their error, but no substantive response was received to these complaints. Respondent Sallie Mae was carbon copied on all disputes sent to the credit bureaus and was also noticed of these facts directly by letter. They are currently intentionally reporting the incorrect information right now despite the fact that this is a violation of the order of discharge and federal law. 

Any documentation or information regarding these incidents can be produced upon request. For your convenience, a copy of correspondence to and from Sallie Mae is included in an attached .zip file. Additionally, the .zip file contains a copy of any responses received and the bankruptcy Order of Discharge.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax has refuse to send me verification of a debt collector name XXXX XXXX that has been reporting on my credit report that account does not belong to me and i have no knowledge of that account
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

On or about the XXXX of this year, I closed a blue cash card with American Express, after calling and asking them what the payoff is. 
In XX/XX/2019, I received a notice that American Express reported me to XXXX, XXXX, and XXXX for non payment. I called American Express and discovered that they had reported me for {$4.00}, however, they stated that they showed I had paid it and not to worry about it. 
Last week, I received notice from all three companies that I was AGAIN being reported for non-payment of the {$4.00}. I called American Express and AGAIN they told me not to worry about it, that they had taken care of it. 
On XX/XX/2019, I received a bill from American Express for {$4.00}. I decided I would just go ahead and pay them again, however they did not give me an account number. They only gave me the last few digits. Accot. ending in XXXX. The rep said she could not accept payment because the account was closed and in good standing. 
I immediately filed a dispute with XXXX, XXXX, and XXXX. XXXX sent me an email atating they had made a decision. When I tried to get the results on line, I was unable to get them, so I called. The XXXX  rep and her supervisor, refused to give me the results because when they asked their so called, " security questions '', they asked if I had a mortgage ... I do not. My house was paid off years ago, they were dissatisfied with my response and REFUSED to tell me the results of the dispute. They stated if I wanted to know, I would need to write XXXX. XXXX   has only given me 30 days to respond to them ... the time it would take for me to hand write them and for them to give me a response, will far exceed this time limit. 

Can you help me, please??
Consumer complaint received 2023-07-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

XXXX has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the Experian to say otherwise needs to be reported. In addition, I 've found that XXXX has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using XXXX as a source!
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC (MI)

RAB performamce received a judgement against me for {$6200.00} on XX/XX/06. I never received notice of this hearing, and never had a chance to dispute or question the amount. Now RAB performance is demanding over {$14000.00}. I have called them many times and the will not offer any information or explanation. I am not even sure what this debt if from, they will not offer me any proof of that is amount is from.
Consumer complaint received 2018-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently noticed an account on my credit report that listed as XXXX XXXX XXXX XXXX and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

On or around XX/XX/2017 my secured credit card with a credit limit of {$300.00} was charged over {$1500.00} and I did not authorize that charge. How can a {$300.00} limited be charged out and the balance be over {$1800.00}? I have disputed it with the credit bureau and nothing has changed. Also, it had gotten removed from credit file for a few days but now its back on there and has drive my credit score way down again. The data on credit file isn't correct and up to date. The entire process concerning Wells forgot isn't doing anything correct and definitely causing me alot of headache with things not being right.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.
Consumer complaint received 2021-06-16
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$10000.00}, {$13000.00}, {$15000.00}, {$6200.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I contacted Capital One regarding a recent negative remark placed on my credit report and the company refuses to remove the negative remark and or honor the program offered to cardholders for payment protection. Capital One charged a fee each month for payment protection to cardholder that opted into the program. I contacted Capital One to receive the benefits of this payment program that I paid into for numerous month, when I faced hardship. Capital One informed me the payment program was no longer available. Capital One mislead its cardholders into paying additional fees each month and did not uphold their end of the agreement. I paid into a Ponzi scheme offered by Capital One in the hopes to protect my credit and payment history in the event of a hardship. Capital did not honor their end of the agreement, reported my account in accurately to the credit bureaus as a result of them not honoring the payment program and has not returned the fees the cardholders paid into the payment program that can never be used or redeemed. The payment protection program was a scheme to get money from cardholders.
Consumer complaint received 2021-06-16
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: ALLY FINANCIAL INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have a student loan with American Education Services. They purchased my student loans at some point and I have been making payments through the XXXX XXXX XXXX Plan. 

I received a notice that I needed to renew the XXXX plan last year. I had actually already completed the process through XXXX so I was confused as to why it wasn't processed. I called AES and was advised that I needed to do a separate one with them. The person I spoke with said he could do it over the phone with me. I believe this was in XXXX. I completed the process and went through all the steps with him while we were on the phone. At that point, I was advised that I had submitted the request and my payments remained the same until I received a notice in XX/XX/2022 that my new payments would be XXXX 's the amount. I called AES to find out what happened and was told that I didn't renew the XXXX plan. The woman I spoke with advised that she saw that I did it over the phone with the processor, but it wasn't completed. She said we could do it over the phone that day, but I would still be responsible for the payment for XXXX. She was very eager to advise me to select forebarance for XXXX, but I remembered being coerced into this situation with another company who failed to tell me that if I elected forebearance my interest would be added to the principal. 

I completed the XXXX. 

On XXXX I received a letter from AES saying the following : Interest has been capitalized on the loans listed in the Loan Information section. This occurred because your forbearance, deferment, or grace period ended. 
WHAT THIS MEANS TO YOU Accrued and unpaid interest has been added to your principal balance. Your payment amount may have been adjusted to ensure your loans are paid off within the applicable timeframes. 

When I called AES and spoke with XXXX XXXX she said that it was strange, but when she looked into it she said that it was because I didn't renew the XXXX on time and if that happens then the interest would be added to the principal. 

Not only was I not advised of this at any point, but I did in fact renew on time and the person who assisted me with the XXXX application the first time failed to complete the process or tell me what steps I needed to take.