davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2021-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Georgia Student Finance Authority (CO)

I attended XXXX from XXXX graduating with a BS in Web Development and XXXX XXXX. Shortly after graduating I was notified via mail that I was a student effected by XXXX 's false advertisement by the FTC. The false advertisement that XXXX publicly admitted to. From mid 2014- present I have receive deferments and forbearance but no permanent resolution to the issue. I called GSFC/GSFA/GHEAC on numerous occasions and spoke to a person in legal that said that there was nothing that can be done about the loans. He stated he did not have adequate information, even though I sent the article that clearly states that it was a valid lawsuit and to seek further action for forgiveness. From 2014 to present the loans have accrued interest and I have had no resolution as to why my loans have not been forgiven or cancelled when the information and resolution options included in the lawsuit were provided and the documents were made public. I have made several good faith attempts to have this resolved by GSFC/GSFA/GHEAC with no resolution. The lawsuit by the FTC was resolved and XXXX admitted their guilt and GSFC/GSFA/GHEAC has caused major financial damage affecting my family and I for the past 7 years.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX Midland Credit Management filed a petition ( law suit ) in the XXXX County Texas county court, claiming I owed a debt to " XXXX ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX Midland Credit Management filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

Midland Credit Management is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/2015 when I scheduled a online flight with Southwest Airlines I was made any offer by Chase and Southwest Airlines for a combined Chase/Southwest credit card if I completed their application on line, which I did and was I approved. The terms and features of that Chase/Southwest offer were as follows:1. A " {$200.00} Southwest XXXX Card Credit. " 2. A " XXXX Bonus Points after you spend {$2000.00} in the first 3 months of opening your account. " 3. A " XXXX Bonus Points after your Cardmember Anniversary. " I did everything according to these terms, but now both Chase and Southwest will not given me the features that were promised me at the point of sale.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX, Bank of America ran hard inquiries and opened credit cards in my name this this past week. Also had someone try to take a loan out using XXXX XXXX XXXX which was another hard inquiry. I contacted both credit card companies and had cards canceled asap and opened an investigation on all three through XXXX. I also had credit agencies freeze my credit reports. I was told to report it here as well.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (WA)

On XX/XX/2022, I received a mailed advertisement containing a pre-qualified offer for a loan from NetCredit ; the letter stated that the annual percentage rate of the loan would be 93-to-99 %, a rate far beyond the maximum allowed interest rate in XXXX XXXX I called the number listed on the offer ( XXXX ), and after being connected to a customer service agent and requesting information regarding the contact information for their company 's legal team, the agent disconnected the call.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (AK)

I submitted a complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.
Consumer complaint received 2022-05-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Myself and my current mortgage company have been trying to get Roundpoint Mortgage to fix a lien that they have on my property since XXXX. We have been calling and sending emails since the XXXX of XXXX. We were told XX/XX/XXXX was the date the lien was going to be filed to HUD but that didn't happen. The lien still has not been filed. We have over 20 emails between the two of us and over 30 phone calls documented. Even requested a phone call with the " President '' which never happened. XX/XX/XXXX was told someone would call me from customer advocate department on the XXXX. Was hung up on XX/XX/XXXX while being " transferred '' to the advocate with still no help. I called back and was told a customer advocate would call me within 24hours which has been their statement everything I call. All of this to get a lien filled correctly or released that was their mistake.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XX/XX/2019 at XXXX XXXX called from XXXX : Asked them to make note that the owner of the cell phone is in the west coast. The person on the other end stated it was noted. Reiterated that it was XXXX XXXX and that continued calls at this time would be a violation of TCPA and FDCPA XX/XX/2019 at XXXX AM call from XXXX : Request a note be made that the cell phone is on the west coast. Individual on phone line said that they didn't know if it was XXXX or not. I advised it does not matter or not that I had told them that this cell number was on the west coast before and that they were in violation of TCPA and FDCPA. I advised her to note it on her account. That should further calls that it would be reported for violation. 

XX/XX/2019 at XXXX XXXX from ( XXXX ) XXXX : No requests were made as the phone call was not picked up.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (CA)

Hi, My account was deactivated on XX/XX/2022 by the company, there is an XXXX USD worth balance kept in my account. 

I didn't receive any formal notification or official letter from the company regarding the incident, and they did not provide me with any further explanation of how they deactivated my cash account.
Consumer complaint received 2022-10-12
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. (CA)

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (MO)

My sister took out a loan using my affirm account to buy some shoes for XXXX dollars through the XXXX I did not consent to her doing that, and all she needed to do was use my phone number without my knowledge. She didn't need anything else to prove it was me. No ssn, no security question, not even a password. The account the money is owed in is even in her name but going on my credit report. I called them after it appeared on my credit report on XXXX and they said this should be an easy fix because its in her name and that theyd send an email to let my provide evidence that she was a real person. I checked everyday for a week and they didn't send it. I called them again and they told me it was an email that only lasts 24 hours after being sent, but will randomly be sent somewhere between 24-48 hours. I again checked every day for a week before time ran out to provide evidence through this email cause they only gave me 15 total days. I also filed a dispute with XXXX  and they got back to me today saying that affirm told them all the information about how much I owe is correct. And the bill didn't get noticed till late XXXX because I didn't remember affirm and I still have no idea who the XXXX even is so in I figured the emails were spam, I get loads of those kinds of emails saying I won something or owe something. The only reason I remember making an affirm account was when I was XXXX, stuck in new jersey thought maybe I could get a flight payment plan, couldn't. But that's the only time I ever personally used it, 2 years ago.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I am still receiving bank statements concerning my fraudulent XXXX Account even after sending in my cease and desist to order them to delete the following account in dispute. I want to cease collection activity on this account through all mediums and forms of communications including consumer reporting agencies and delete this account because they have not sent validation pursuant to 15 USC 1692g. They are saying I signed a contract however, have sent me no proof of said wet signature nor original contract with my wet signature on it. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Even if this was an account I claimed to be mine, this account should be an open end consumer credit plan, see 15 USC 1602 ( j ). Nonetheless, this is a violation of my consumer and privacy rights.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is incorrectly reporting me as an Authorized User on the AMEX partial account number XXXX and AMEX partial account number XXXX. I did not give permission to be added as an Authorized User on these accounts and I respectfully request that I be removed. I have contacted American Express directly to have me removed from these accounts, however I have not been successful.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (CA)

Sent Police Report along with FTC identity theft affidavit identity to Experian ( twice ), XXXX, and XXXX. The Accounts were removed by XXXX and XXXX. Experian has failed to remove the accounts, and have also failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. Experian is clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the account, Experian is still reporting the fraudulent account on my Experian credit report. If they do not remove the account, I will be force to pursue legal action against Experian.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (WA)

I received a denial letter that describes information that is invalid, fabricated, or an egregious error on the part of the Card Company. 

There is nothing on my credit profile that is even close to the examples Luxury Card detailed within the denial letter. Copies will be attached
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (FL)

I called XXXX and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing is falsely reporting a debt as being opened much later than it originally was in an attempt to force me to pay them I have no contract with them and was not informed they would do this when I disputed this information with XXXX  they not only verified the debt as accurate but when asked to send me a written response they instead just updated the debt as a missed payment once again re-ageing this debt is illegal on their part as I can only be held accountable for the actual dates the debt was incurred my attempts to resolve this issue and simply report the correct dates have been met with both them and XXXX  simply adding new dates from this year onto the account.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a fraud account XXXX my information was stolen in the XXXX  data breach and this account was open with stolen information, Current shows as a charged off account with a 0 balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX and a collections of XXXX is listed my report.
Consumer complaint received 2022-05-18
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. (TX)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-11-21
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: National Credit Systems,Inc. (MS)

National Credit System refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Consumer complaint received 2021-10-29
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. (OH)

I have file 4 times with the CFPB and the FTC over this account XXXX # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.
Consumer complaint received 2023-03-02
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. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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