davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Great American Finance Co (IL)

Great American Furniture added charges without any explanation when I made payments in advance and on time well in advance of the XXXX prepayment penalty. This is outright fraud and I can provide receipts and screenshots of their Website. They are preying on people and counting that the government wont do anything about it.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TN)

The following information Regions Bank is reporting on my credit report is false and inaccurate. 

1. XXXX is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. XXXX  is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. XXXX is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (VA)

We never applied for credit at Pay Pal Credit! They opened up an account in my name without my approval or submission of an application! I believe that this is a fraudulent practice XXXX! I have research suggesting this is a common practice by them! I need the account closed and the credit inquiry reversed!
Consumer complaint received 2022-09-27
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: JPMORGAN CHASE & CO. (CA)

I ordered a refrigerator and stove on the XXXX XXXX website on XX/XX/XXXX. The purchase was made through XXXX XXXX XXXX because the delivery address was my mother 's house in XXXX. I used my Chase Bank credit card to make the purchase. n XX/XX/XXXX, I learned via a XXXX XXXX email that only the refrigerator had been shipped. Days later, I got another email from XXXX XXXX saying that the purchase of the stove would be reimbursed to my card because it was no longer available. The refund process was estimated to be completed within 10-15 days. Nevertheless, as time passed, the balance kept displaying on my account. I contacted Chase, and I continued getting messages in response advising me to speak with the merchants to inquire about the status of my refund and noting that they have up to 30 days to complete a credit. The XXXX XXXX noted that the refund had been fully processed, and I informed my bank of this. Chase became unresponsive, and I received notifications that my case was still being reviewed. On XX/XX/XXXX, I received a letter from Chase informing me that my dispute was valid ; however, no errors were found on this transaction, so the balance would remain in my account and would be reported to credit reporting agencies. I paid the balance because I did not receive a resolution and did not want to harm my credit. Please advise what additional steps I should take.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I called hunterwarfield inc about one acct that shows i owe them XXXX ask the company to provide me a letter. they refuse I have a seperae acct with them that im currently disputing for XXXX which their trying to combine.
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I made a loan modification effective on XX/XX/2015. As part of the loan modification through FHA, I am suppose to get an incentive of {$1000.00} per year I was on time on loan payments. The cap was 5 years or {$5000.00}. It has been six years since my loan modification and I have not received the payment. As per my lender I needed to contact the Housing Authority HUD. I contacted HUD and nothing has been resolved.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by Equifax. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the XXXX XXXX of XXXX XXXX XXXX XXXX.i
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (IN)

Navy Federal again refused to accept a payment on my account and it appears that they are denying the payment for now several payment attempts dating back since XX/XX/XXXX in order that they can access late payment penalties. An attempt to pay on my account in this latest effort came on XX/XX/XXXX which was not processed. A follow up attempt was made by calling in to one of their CSR 's in which that payment attempt also was not processed.
Consumer complaint received 2021-12-10
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: U.S. BANCORP (IL)

On XX/XX/2021 2 of my USB cards were charged from XXXX {$150.00}. On XX/XX/2021 I received a credit for {$150.00} which I believed to be from XXXX on acct ending in XXXX. However on XX/XX/2021 USB reversed the credit for {$15.00}, stating it was theirs. However on my XXXX statement, it shows they sent the money back to USB on XX/XX/2021 conf # XXXX, which they say they refunded to the card ending in XXXX, replaced by XXXX on XX/XX/2021 by USB. 
As of XX/XX/2021 none of my credit card accounts have shown/refected the refund by XXXX, and all XXXX reps from USB I have talked to are unwilling/unable to help. They spent a month doing research and now are in fact keeping funds that were meant to be refunded to a my account. 

Needless to say this is common practice by USB fraud department, were they appropriate funds that do not belong to them and hold them for any period of time without a resolution. In this case complete refusal to even look into the conf # provided.
Consumer complaint received 2018-07-07
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. (PA)

To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MS)

I have a credit card with Indigo. At the beginning of the year the monthly fee was applied which was XXXX. I forgot about it and my card went over the XXXX limit. The new balance was now XXXX. On XXXX XXXX I made a payment of XXXX which would leave a balanced owed of XXXX. The payment cleared on XXXX XXXX, because it was after noon when I made the payment and they only use bank accounts to receive payments. I stopped at a gas station on XXXX XXXX and I was told my card was declined. When I called to check my balance, it was stating my balance was XXXX. I spoke with a representative and was told my card was placed on hold pending verification that the payment made would clear and I would not be able to use my card again until XX/XX/2022. I informed them that the payment cleared on XX/XX/XXXX so it has been fully verified that the funds are good. I have never submitted a payment to them that did not clear. I was then informed that yes they did clear and was on their end that they were holding the payments. So I stated, you mean to tell me that you have the funds, you just verified that you are holding them on your end and I can not use my card again until the XXXX of XXXX and the only thing you have updated in your system is the made payment? There is nothing in your system showing my account is on hold. But the negative XXXX is showing and my balance is XXXX. The first representative actually laughed and stated " well its not with everyone its just yours. '' I said excuse me. I got off of the phone and called another representative which stated they've been doing this since the company has been established and if I would have made a smaller payment and not a payment of XXXX my account would not have been placed on hold. I informed him when I made the payment of XXXX and something the year prior, they did not place my account on hold. And he said no they didn't. We just do it sometimes, we never know when and it just so happened this is your first time. I told him, so you guys have my payment and it has been verified but you're not updating my account in the system nor to the credit bureaus and you're not allowing me to have use of my card until XXXX XXXXHe stated that is correct. I said this is some fraudulent stuff you guys are doing and I received no warning and your stating it is because I paid a higher amount. So if I paid a lower amount, i wouldn't have a hold and he stated that I was correct. So i asked if I pay the remaining XXXX will there be a hold and he stated I wouldn.t know that until you paid it. This can not be legal.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (AZ)

Upon Reviewing my report with XXXX XXXX XXXX XXXX XX/XX/XXXX I saw that BMO Harris bank has reported negatively about my banking history. It states I am being reported for non-sufficient funds ( NSF ) activity. Reported date XX/XX/2020 with charge off amount being {$730.00}. Called customer service 3 times and got absolutely nowhere. 1st time calling on XX/XX/2020 customer service rep said he couldnt help me but that he could & would send an email to that department requesting that Id like a call back promptly to discuss this. No call. 2nd time calling on XX/XX/2020 I told customer service I needed a phone number to whomever had the authority to discuss & fix this. After waiting 45 mins Customer service rep said she couldnt find a direct phone number but she would contact her supervisor and email me the contact info. No email. Lastly the 3rd time calling on XX/XX/2020 customer service rep said oh sure let me transfer you then dial tone! Disconnected. Im very upset because these fees/charges for {$730.00} escalated from fraudulent charges that resulted in overdrawing my account which resulted in overdraft fees and so on! I was told back when these fraudulent charges happened that I wouldnt be responsible for any of these charges or fees!
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (GA)

XXXX, XXXX XXXX XXXX had irregular and fraudulent billing on my account during the beginning of pandemic in XXXX, 2020. I was sent the incorrect cell phone, returned the phone with the packaging they provided and they then charged me for a damaged phone. The dispute went through arbitration and received a settlement from XXXX XXXX for the amount they incorrectly billed me. My apartment community, XXXX XXXX is responsible for tenants cable payments via rent charges. 
I do have the settlement letter and do not know why I was reported to collections for {$1100.00}. I have contacted both collection agency and XXXX and neither has been able to produce any bills for the amount reported to collections. 
Thank you, XXXX XXXX
Consumer complaint received 2024-05-04
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. (NC)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if they are still on my report, the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 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 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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2022-09-26
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. (MD)

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. has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 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 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.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AmeriCollect (IL)

XXXX and the XXXX XXXX XXXX XXXX has sent in accurate billing to XXXX collect dating back to 2016. While I was under states insurance XXXX billed me two times sending this to collections with Americollect. This is in accurate fraudulent charges on my credit report. 

Americollect has also billed me multiple times with an accurate medical billing claims and estimated charges of over {$14000.00} completely destroying my A1 credit. no help and absolutely no remorse.
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (FL)

I had ONE outstanding medical bill from a XXXX which as sent to Online Information Services. However, instead of reporting ONE account outstanding, they divided the accounts into several balances based upon the service dates and report 5 separate accounts to the credit bureaus. This should not be legal, this is tantamount to a credit card company putting a collection for every point of sale you used the card!!

I reached out to OLIS ( XXXX ) to request they combine these items to one balance as it was at the original creditor. She refused this request. Having 5 delinquent accounts is adversely affecting my credit score and I have been denied credit due to this.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Blitt and Gaines, P.C. (IA)

On XX/XX/2023 I sent an email to XXXX disputing debts in letters from Blitt and Gaines dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying Blitt and Gaines was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from Blitt and Gaines in an attempt to verify the debts.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

Called on XX/XX/XXXX to request information called on XX/XX/XXXX to inquire about where the information was sent both the representative and the supervisor were terribly rude not wanting to help get the debt verified or removed. The debt was added to my credit report I've never had business with this creditor
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I asked Equifax XXXX  and XXXX if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I asked XXXX XXXX  and transunion if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

IC SYSTEMS INC PHONED ME ONCE SEVERAL MONTHS AGO IN AN ATTEMPT TO COLLECT A DEBT OWED TO XXXX PHONE COMPANY. I ASKED THE IC SYSTEMS REPRESENTATIVE TO SEND ME A VERIFICATION OF THE DEBT AND TO ONLY CONTACT ME VIA WRITING. THEY NEVER PROVIDED ME WITH ANYTHING REGARDING THIS AND HAVE PLACED THIS ON MY CREDIT FILE AS A COLLECTION ACCOUNT. TODAY XX/XX/2019 I WAS CONTACTED BY AN XXXX XXXX XXXX  REGARDING THIS AND WAS TOLD THAT THEY HAD RECEIVED MY FILE. I ASKED THEM TO SEND ME A VERIFICATION OF THIS DEBT AND WAS PROMISED TO RECEIVE THIS IN 7-10 DAYS. I WILL MAKE ARRANGEMENTS WITH THEM IS EVERYTHING IS ACCURATE AND VERIFIED BUT IC SYSTEMS HAS BEEN WILLFULLY NEGLIGENT IN THEIR REPORTING AND COLLECTION PRACTICES. UNDER SECTION 616 AND 617 OF THE FCRA THIS COULD LEAD TO MONETARY DAMAGES TO THEIR AGENCY. I AM REQUESTING THIS INFORMATION BE REMOVED FROM MY CREDIT FILE AS I HAVE NOT BEEN UNWILLING TO PAY THIS I JUST HAVE NOT RECEIVED ANY VERIFICATION AS REQUIRED BY LAW WHEN REQUESTED. 

IC SYSTEMS CONTACT INFO IS XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I was using insurance and credit cards from USAA ( parent company ). I had a break in happen and lost a piece of fine-art worth {$150000.00} retail. Insurance company said it was only worth {$500.00}, credit card company tried to get me to keep paying them, turning the situation into slavery/indentured servitude ( illegal, abolished in XXXX - XXXX amendment of the constitution ). Now they are damaging my credit rating even though they owe me for my insurance with them.