davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (TX)

On XX/XX/2020, I contacted the company, Greensky and inquired about the {$110.00} interest charge on the 1st statement. Payment for XXXX  services were rendered on XX/XX/2020. I received the statement on XX/XX/2020,  showing the interest charge of {$110.00} and a minimum payment due of {$190.00}, due XX/XX/2020 for services. I was informed that it is prepaid interest, because my closing date is on the XXXX of each month. 
I explained to her that didn't seem right, she explained to me that is how Greensky does things. 
I then asked her about the Promotional Expiration Day of XX/XX/2020 that was printed on the statement. She responded said that no longer applies. 
I asked her who regulates her company. She said that was good question and put me on hold to get the answer. 
She came back on the phone and told me that they were regulated by the FDIC. She also said that the interest amount was not interest, but a part of my payment because of my closing date falls the XXXX of each month.
Consumer complaint received 2022-06-13
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. (AL)

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
Consumer complaint received 2022-07-21
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. (CA)

This has been my numerous attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my file that resulted from alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-02-01
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 have found another error from experian with proof I have a copy to prove I disputed this item received a deletion but was never notified and they placed this back on my account / file after they deleted I just now found out The account is from XXXX acct XXXX its unverified account I know nothing of Please remove from y account promptly its affected my credit rating Proof attached Thank you sincerely XXXX XXXX
Consumer complaint received 2022-07-21
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 (TN)

My Capital one bill was due on the XXXX of XXXX. I paid my bill on the XXXX using my XXXX XXXX XXXX account. I spoke with a Capital One representative on the XXXX when I noticed they had sent an email stating I still owed money when I just paid them a the full amount the day before which was XXXX when my bill was only XXXXUpon speaking with the rep from capital one she said it was because I was a first time card holder and it was the first time paying my bill they had to call my bank and verify if the funds where actually available. On a conference call with the rep from Capital One and myself, the rep from Capital One called XXXX XXXX  verified the funds where available only to tell me that the account was none transferable and I had to wait 7 days for the money to be returned and pay it using the checking account instead of the savings account I previously used which was the same XXXX XXXX  account. Last Thursday I was notified by email that the balance was cleared I then called Capital One to pay my bill which I did only to find out that my account had been closed. The refuse to allow me to reopen my account and they have impacted my credit score when I paid my bill on the XXXX of XXXX when technically it wasn't due until the XXXX of XXXX. Now that the account is closed they are still telling me I owe them XXXX.
Consumer complaint received 2020-02-01
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: ALLY FINANCIAL INC. (OH)

My XXXX XXXX XXXX was paid and they are reporting that I have missed Multiple payments I have try to resolve this Multiple times with them and the last person I talked to said someone From accounting would contact me within 24 to 48 hours and they have not they said they were going to have them contact me because their math makes no sense and when I call the Automated payment line it says that I do not have a bill due till XX/XX/XXXX but yet on my report it says Im Multiple months behind and they will not fix this issue
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charleston Area Medical Center (WV)

This complaint is in regards to XXXX XXXX XXXX Account Number XXXX for {$200.00}, Account Number XXXX for {$100.00}, Account Number XXXX for {$30.00}, Account Number XXXX for {$84.00}, Account Number XXXX for {$30.00}, Account Number XXXX for {$94.00} and Account Number XXXX for {$130.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

They keep calling reference a debt owed by my ex-son-in-law. They have been divorced for 2 years. They change the number they call from and are told each time to stop calling. The 2 most recent phone numbers I have are XXXX and XXXX. Company Name is Portfolio Recovery. Each time they are told to remove my number so they just call from a different number.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (FL)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


GLOBAL LENDING SERVI Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : Date Opened : XX/XX/2016 Balance : {$16000.00} Terms : High Balance : {$28000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX - Chase approves me for {$95.00} annual fee World of XXXX personal card. 
XX/XX/XXXX - Chase approves me for {$150.00} annual fee Southwest Premier personal card. 
XX/XX/XXXX - Chase Approves me for {$95.00} annual fee Ink Preferred Card. 
XX/XX/XXXX - Chase shutdown all of my accounts, personal and business. 
Chase provides inconsistent reasoning, from " rewards abuse '' to " high spend on cards '' when calling. However, all actions were being performed within the allowances provided by Chase ( credit limit, credit limit transfers, approved cards by chase by fully legit means ). 

Chase refused to discuss the matter with me, left me stranded without any prior notice of concerns or attempt to appeal the manner, probably because i booked my entire overseas wedding with the Chase Sapphire Reserve and they didn't want to risk that insurance coverage. Chase also refused to refund the prorated annual fees. My XXXX Card and Southwest Card deserve prorated annual fees and Chase refuses to refund it. I had my Southwest card open for only ~3 months but Chase wants to keep a full 12 months worth annual fee. It seems intentional they bait, approve me into a card, then, without ever telling me before at any point, cancel and keep their annual fee from me, or that they had concern of my account activity, or wanted to try and work with me over a concern.
Consumer complaint received 2018-12-11
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. (CA)

I am a victim of identity theft and there is a public record that got reported on my consumer credit report with XXXX, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

A system error that Citibank had created for my accounts, please see my commentary below :.

A. Citibank sent me my end of the year Accounts Statement, said Bank Statement disclosed my various accounts, the accumulated or aggregated interest for the year, and said accumulated or aggregated interest amounts were incorrect, and I relied upon them for other purposes, which made me incorrect for those purposes.

B. Citibank also provided the 1099-INT form, and in that Statement they declared figures completely different from that which the end of the year statement did, by as much as {$430.00}.

Basically what it comes down to is that Citibank decided not to reflect the aggregate interest for all of my accounts on my Bank Statement, and then simply decided to recall those figures within the 1099-INT form, which in turn really damaged my reporting that outward to other entities inquiring. As such, I personally believe that every Bank Statement from Citibank should always be accurate to the very last line, otherwise what is a Banking Institution that you are entrusting your financial information and assets designed for? 

When I contacted Citibank Corporate and spoke to a management authority at a U.S. Citibank Corporate facility, said management authority stated the following : 1. XXXX XXXX, you should not have relied upon your bank statement! 
2. Mr. XXXX, the fact that your Bank Statement differs from the 1099-INT sometimes happens! 

All to say, the testimony above is simply unacceptable, especially since the individual at Citibank Corporate was subjective and arrogant about their assertions, and they ( the bank ) have done things like this on two separate occasions within the last several years.
Consumer complaint received 2018-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TX)

I am unemployed not recieving anymore unemployment insurance XXXX  XXXX harrassimg me with phone calls up to 8 times a day, harassing my injured XXXX XXXX great uncle and refuses me any sort of repayment options.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

The XXXX  XXXX XXXX account that is reporting on my credit report is incomplete as the date of last activity is missing from the credit report. It is therefore hard to tell when and if the account ever became delinquent.
Consumer complaint received 2018-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capital One and they were in agreement that there was numerous charges of $ XXXX.+ charge to a XXXX XXXX in XXXX XXXX , FL. I told them I had never been to XXXX XXXX, FL. They refuse to credit me. I need help. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

I have two hard inquires on my XXXX  report from Citi one dated XX/XX/2017 and XX/XX/2017. Either of these hard inquires were not authorized by myself and I was not asked if Citi was permitted to pull my credit report they did it without my authorization. I did try to make contact with Citi however they advised to dispute through external source.
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

I currently called XXXX on XX/XX/18 and XX/XX/18, to try and get a forbearance for my loans because I became unemployed and they are absolutely no help. They told me that I only get 2 month increments on my loan for a forbearance and then I have to pay for 9 months in order to get another forbearance. They do not assist their customers in their time of need. I have always paid and just can not make a payment while receiving unemployment, paying rent, food and utilities. I am a single mother with a XXXX year old. Someone needs to look into their lending practices because they are horrible.
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. XXXX refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

In XX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.