davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2018-04-23
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. (WA)

I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

In XXXX of XXXX, I completed an application for and submitted an employer verification form requesting to enroll in the Public Service Loan Forgiveness Program with XXXX. I then contacted them in XX/XX/XXXX to submit the annual employer verification form. On XX/XX/XXXX, I received a letter stating that I will only be credited for on time payments made from XX/XX/XXXX to XX/XX/XXXX although I have been a full time employee of the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  since XX/XX/XXXX and verification was submitted confirming this. The representative stated that they have my employer as the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I explained that the XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is the same employer and it either way it is a public institution. The XXXX representative acknowledged that the Federal ID # was the same for both names ( XXXX ). I was told that my case will be reviewed and adjustments will be made if on time payments were made while employed at my state job between XX/XX/XXXX and XX/XX/XXXX but the review will take anywhere from two months to six months. During XX/XX/XXXX, I contacted XXXX to get an update and was told that my account has not been reviewed and can take up to a year to review and no additional information can be given to me at this time. I feel that this time is extremely long and unfair and the review should have already began as it is four months since I requested a review. I do not believe that the process takes that long as the history of my loan was forwarded to XXXX when it was purchased by XXXX. How is it then possible that they need 6 months to a year to review. It is now 4 months and my account has not even been looked at. I believe XXXX has no intention in reviewing my account with the expectation that I will give up.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Rentdebt a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Consumer complaint received 2022-09-02
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: U.S. BANCORP (CA)

This complaint is for US Bank Home Mortgage from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is 60-89 days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed as soon as possible.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX ( dated open XX/XX/XXXX XXXX XXXX XXXX ( date open XX/XX/XXXX. 
These accounts are fraudulent as well as misleading considering I did not open these accounts nor am I aware who did. Furthermore I did not request to have these fraudulent and inaccurate items reporting on credit profile which violates 15 USC 1681 section 602a and 15 USC 1681 section 604a section 2.

Ive contacted both parties and complied with their request. All necessary documents have been submitted on numerous occasions. Still the issue has not been resolved
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

I have 2 accounts from Navient showing on my XXXX  credit report. I had a loan with Sallie Mae which they sold to Navient. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The Sallie Mae loans are gone but the Navient loan still show and it's hurting me getting a mortgage.
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (ID)

Was doing a yearly credit check on XX/XX/XXXX, and found a loan taken out with cash central XX/XX/XXXX for {$3000.00} with an ending date of XX/XX/XXXX for {$4200.00}. I have never taken a loan out with this company. I called cash central, or community choice financial and told them this. They told me the loan was taken out online, and would not give me anymore information on the loan, and told me I need to file police report and send all that information off to them. I never applied for a loan thru them. They never contacted me about the loan thru the mail or by calling me. It just shows up on my credit report. 
This company needs to be shut down with all the fraud and complaints on line about them.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. Transunion, XXXX  and XXXX  were all similar results. Additionally, I have never been late on anything ... 

I called Transunion and XXXX  and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

Transunion, XXXX and XXXX  appear not to care ... ...
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

I am a XXXX Senior Citizen, and have been on XXXX since XX/XX/2002. I am disappointed in Experion 's methodology for Knee Jerk reactions to glitches in a XXXX XXXX XXXX XXXX, where the bank DOES NOT CLEAR TRANSACTIONS ELECTRONICALLY, NOR DO THEY SHOW PENDING TRANSACTIONS FOR ONE FULL MONTH. 
DUE TO THE KNEE JERK REACTION OF EXPERIAN ( I.E. DROPPING MY CREDIT SCORE BY 100 POINTS ), HAS TOTALLY CAUSED UNDUE STRESS AND DISTRACTED ME FROM RESOLVING THIS ERROR, BY HOSTILE " SLAMMING '' AND USING A COERCIVE/COMPELLANT STRATEGY TO USE HIGH PRESSURE TECHNIQUES TO PERSUADE ME TO APPLY FOR ANOTHER CREDIT CARD, WHICH THEY SENT IN AN EMAIL ALONG WITH THE SUDDEN DROP WITHOUT ANY EXPLANATION. JUST THE CREDIT CARD APPLICATION. 
THEY INFORMED ME THAT XXXX XXXX AND XXXX   ARE USING " OLDER '' REPORTING SYSTEMS, BUT EXPERION USES NEWER FICO SCORES. 
I THINK EXPERIAN AND XXXX  ARE DEMONSTRATING A MARXIST PHILOSOPHY ON SENIORS & XXXX PEOPLE, INSTEAD OF APPLYING THE AMERICAN 'S FOR DISABILITY ACT  FOR THOSE ON FIXED INCOME WITHOUT JOBS. 
I FEEL TARGETED, PULLED OFF COURSE, TOTALLY STRESSED, AND THIS IS CAUSING ADVERSE HEALTH REACTIONS REGARDING MY XXXX XXXX ( XXXX XXXX, XXXX, AND XXXX XXXX. ) EXPERIAN SAYS THEY TREAT " EVERYONE THE SAME '', AND INSIST THAT SENIORS & XXXX PATIENTS MUST OWN @ LEAST 4-5 CREDIT CARDS AND REAL ESTATE TO HAVE A CREDIT SCORE ABOVE 700. 
SO FAR, EVERY SINGLE CREDIT CARD I HAVE BEEN APPROVED FOR, HAS SOME TYPE OF HIDDEN ENTRAPMENT SCAM OR FEE OR GLITCH THAT WOULD CAUSE ANYONE TO RACK UP UNKNOWN FEES OR BALANCES IN EXCESS OF WHAT IS SHOWN ON THE ACTUAL STATEMENTS. 
FROM ALLOWING THE CREDIT BALANCE TO GO OVER THE LIMIT WITHOUT THE CONSUMER 'S KNOWLEDGE ... CONVERTING THE RELATIONSHIP TO A PREDITORY AND COERCIVE ONE, LEADING TO EXCESSIVE FEES AND UNECESSARY LOANS. 
AS I EXPLAINED TO THE EXPERIAN AGENT, I MIGHT DO BETTER TO ENLIST WITH A LOAN SHARK, SO I WOULD AT LEAST HAVE FULL DISCLOSURE OF HOW I AM BEING TAKEN ADVANTAGE OF.
Consumer complaint received 2018-04-23
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 (AZ)

I provide consulting services and get paid via credit card. 
Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. 
So I wasclearly instructed not to give any card or banking information. 
I was told to take the company banking info for payment with a written authorisation to process the payments. 
I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. 
I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. 
I don't know what else to do. Thank you for your attention to this matter
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Agency used derogatory, XXXX  and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, BOA ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with brown and black debtors.
Consumer complaint received 2022-09-02
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: Mr. Cooper Group Inc. (MS)

all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I received a message from what I thought was a real account that I follow on XXXX offering XXXXXXXX XXXX  for {$30.00}. So I sent them the money through PayPal and was told they would send it to me in twenty minutes. Two hours went by and when I checked the XXXX account they had blocked me. The PayPal transaction ID is XXXX and it was sent to XXXX XXXX on XX/XX/22. They told me to send it through friends and family so I can not dispute the payment for goods not received. The account was _aquardmoonfairy and they then changed their name to XXXX after I reported the page.
Consumer complaint received 2019-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (NJ)

Someone from my loan company, American Education Services contacted me today, XX/XX/XXXX at XXXX. It was due on XX/XX/XXXX. She asked me about making a payment on the loan. I stated that I couldn't make a payment because my husband takes care of paying that loan every month. Speaking to him and finding out why the loan hadn't been paid would be the prudent thing to do first. She became what I felt was unnecessarily aggressive in her tone and said, " Well you need to find out what's going on. '' She was doing all of this without even having all of the information on account pulled up on her computer. She finally looks at my information and sees that there is a payment scheduled for today. It will hit their account tomorrow. I guess that wasn't good enough because she continued to push for me to make a payment TODAY.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

RE : " XXXX '' ( at the present time, Chase NOT is willing to accept responsibility for what's happened to me ). 

I am currently customer of JP Morgan Chase. On XX/XX/2022, I was informed [ by phone ] by XXXX people identifying themselves as " XXXX  XXXX XXXX '', that my personal info was stolen, and that someone attempted to siphon monies from my Chase  acct using XXXX. To " reverse '' this theft, I was advised to add " Payment Cancellation '' to my Receipt list on XXXX, and then " send '' {$380.00} in order to cancel the payment ( pls note-the scam was ALOT more sophisticated than what I'm able to describe here ). By the time I did realize it was a scam, I " XXXX  '' {$380.00} to a PERSON named, " XXXX XXXX ''. What's important here, is that a bank ALLOWED someone to open an acct with the name " XXXX XXXX ''. I was later told by a XXXX rep that this was a common problem of theirs, and, whoever opened the account, quickly closed it after withdrawing my funds. But I was informed by XXXX  XXXX that, since Chase is my bank, it is they who are responsible, and not XXXX  XXXX XXXX. Nevertheless, to date Chase has refused to accept ANY responsibility. 

Please see further info, below : XXXX XXXX Chase  Claim # XXXX XXXX  Claim # XXXX
Consumer complaint received 2020-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX I placed an order with an online retailer in the amount of {$100.00} via Pay Pal Credit. The order was cancelled with the vendor hours later however the charge went through anyway. I had been in contact with the vendor several times and was assured a credit would be put through. I eventually filed a claim with Pay Pal credit and they issued a credit to my Pay Pal Credit account on XX/XX/XXXX. On XX/XX/XXXX Pay Pal denied the claim with a stated reason that it did not qualify for a claim. On XX/XX/XXXX Pay Pal applied a debit of XXXX to my Pay Pal Account resulting in a negative balance and subsequent non use of the account. I reiterate, that this debit was applied to another account and not a reversal on my Pay Pal credit account ( which is what should have happened ). I have been in contract with Pay Pal daily and they are pretty incompetent and unable to understand the issue. They are trying to collect a debt on an account that was not involved in the original transaction. The denied dispute has subsequently been reopened and re-classified as an item not received. Apparently it was denied the first time because Pay Pal did not like the category of dispute I used and rather than fix that it was easier just to deny it and apply a debit to an account that was not involved. In speaking to various representatives this seems to be a Pay Pal internal systems issue. In short, I placed an order, I cancelled an order, I received nothing and Pay Pal debited another account in error while attempting to perform a credit reversal. At this time the dispute is still pending.
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (CA)

I don't recall having a contractual relationship with this collection company CLARK COUNTY COLLECTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-02-04
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 disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

A debt that I never had, has shown up in my credit report. A Capital One credit card ; showing over {$3000.00} worth of debt. I have Never had a Capital One Credit Card. They said this is from 2008 yet has just now showed up!!!! I want this off my credit report, now!!!
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC (FL)

Dynamic Recovery Solutions contacted me on XX/XX/XXXX regarding a medical debt from XXXX XXXX XXXX from XXXX of XXXX in the amount of over {$1400.00}. According to the statute of limitations of in the state of Florida in regards to medical debt, the limit is 5 years to recover the debt. As I informed the agent of the Florida statute of limitations, the agent claimed that this is not correct and there is no statue of limitations on this debt. She then proceeded to explain that I would be taken to court regarding this debt if I am unable to set up a payment plan with her. I advised her that I will not be setting up a payment plan for a debt that was 3 years past the state statute and ended the call.