davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

11 XXXX XXXX XXXX XXXX has been sending me collection notices in the mail about of {$670.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I Paid this account off on XX/XX/XXXXhe amount was XXXX my credit score was XXXX on XX/XX/XXXXonce my account was updated on XX/XX/XXXXMy score decreased to XXXX  I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My XXXX  account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/ it was XXXX  ) on XX/XX/XXXX  and in XX/XX/XXXX  THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT XXXX PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM XXXX THEY DECREASED MY CREDIT REPORT FOR NO REASON
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

the one called is ( XXXX ) XXXX portfolio recovery is the name they use they call 4 time last week they call today at XXXX I have told them 3 time before it not the woman who there calling phone but they keep calling please make them stop
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion has failed to Add the XXXX XXXX XXXX XXXX  Tradeline that I'm an Authorized User on my Parent 's Account. Its already been Added on XXXX & XXXX but you have continuously failed to report. I have contacted the Executive Office & this is my final result before I follow a Lawsuit against the entire XXXX XXXX. I have Attached Copies of my most recent XXXX, & XXXX  Credit Report
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened credit cards as XXXX year old about 2 1/2 years ago to try to establish credit for myself. I used them a few times and was making on time payment every month without enough knowledge of interest rate. I lost my job and at this time credit cacrdbalance was paid off, I asked credit card company to close cards before next payment was due because i was not in the position to pay. I did not keep up with this request or double check if this was done. Due to this, the credit cards are still open and now have a lot of interest rate charges as well as late payment charges. I am in no position rightnow to pay any of the money back and would really like have a dispute filed so my credit does not get ruined and debt does not keep piling up. Please help dispute.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted my information to be in the hands of the wrong person.
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (CO)

I Had opened a loan amount of XXXX at TD bank in XXXX   where i then used the money to purchase a XXXX XXXX XXXX. I Recently moved to XXXX, and there are no TD BANK in XXXX. The only way they would work with me is to go into a branch but the closest one is 1000 's miles away. Can not make payment over the phone and could not make payment online. Was not accepted. Because of the recent move i recently have gone through financial hardship and had been late on making payments because they usually automatically took the loan amount out of my account but it was not working so i would have to mail in checks but the day that they needed it by was not my pay day.
Consumer complaint received 2018-02-23
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: OpenRoad Lending (MI)

Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process. 

XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

A company called Radius Global Solutions contacted me about a debt from XXXX XXXX of XXXX on XX/XX/2021. I called the number and they said they contacted the wrong person but I gave them the last 4 of my social. The number listed was XXXX
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (TX)

The company claimed, in a response to complaint ID XXXX  on XXXX that it was sending a card and to-date no such card has ever arrived. The company 's response claimed that the card would be issued and should arrive within 7 - 10 business days. It's now been 26 business days.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OR)

I am unable to reach anyone at NelNet by phone. The website frequently crashes. I applied for the XXXX plan XX/XX/2023. I have not been put on the plan yet. I have received a letter saying I have a balance due XX/XX/2023. However, I login and the balance says " XXXX '' owed until XX/XX/2023. I emailed XX/XX/2023 to followup on these questions, have not heard back. 

Everytime I call, it says the wait time is too long and to call back. If I elect to wait, I wait XXXX hours, and then the automated service says the call center is closed ( even when their listed business hours say they should still be open ). 

My concern is that I don't know how much I am supposed to pay, or when it's actually due, and interest is accruing this whole time. 

It is not transparent, there's no one to go to for help.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I am a retired court reporter. I sold my 'writer ' online and the buyer paid through PayPal . The amount is {$3200.00}. This amount is unique, as most of my PayPal transactions have been for amounts less than {$100.00}. 

PayPal refuses to release the money! They are 'investigating ' and have interviewed me twice to explain my transactions. I know they have to guard against fraud, but I AM NOT A DRUG DEALER! 

This delay has been going on since XX/XX/XXXX. My question is, what is PayPal doing with my money in the meantime? I know banks make money on the 'float. '
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (AL)

Accounts is with affirm XXXX AND XXXX DATES XX/XX/XXXX n XX/XX/XXXX I REACH OUT TO AFFIRM SEVERAL TIMES TO HAVE ITEMS REMOVE OFF MY CREDIT I SENT THEM POLICE REPORTS NUMBERS THEY SAID THEY NEEDED A PERSON OF INTREST BEFORE REMOVING DEBT BUT AT FIRST THEY JUST ASK ME TO FILE A POLICE REPORT STATED SOMEONE DID FRAUD TO OBTAIN ACCOUNT. AS I DID SOME RESEARCH AND DIGGING ME AND THE POLICE DEPARTMENT FOUND OUT WHO DOING FRAUDLENT ACTIVITIES WITH MY CREDIT I HAVE NEW POLICE REPORT AND LIKE FOR THIS MATTER TO BE HANDLE ASAP TO BE REMOVED FROM MY CREDIT. AFFIRM CONTACT CONTACT INFORMATION IS AFFIRM INC XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian reporting agency is reporting a charge off account that belong to my ex-wife. I never gave anyone permission to get any credit under my social security number, XXXX and XXXX. This account appears to have been opened back in XXXX. Amount ( XXXX ) this account is showing XXXX times late and has caused adverse action on my credit report, not allowing to me buy a home. I have made numerous attempts to get this matter resolved, and Experian keeps saying its my fought. I have filed fraud alerts on all my credit reports due to many accounts being opened in my name. During this time period I was very sick and not coherent about my business until early 2019.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2022 Greetings : During the first week of XX/XX/2022 Citizen Bank telephoned me. Citizen Bank mention my debitcard had been compromised. 

This was a recording. I didnt follow though by pushing buttons. In turn I called Citizen Bank to speak with a representative. 

At that time a representative mention charges to XXXX, XXXX, XXXX, XXXX, XXXX. I denied the purchases, and Later I called Citizen recalling. The XXXX this is my purchase. 

The representative refiled a second claim. Next I receive a letter saying there was no fraud. 

These circled purchases arent mind. 
My debit card has never be out of my possession. 

The only person that knows my pin is only know to me XXXX XXXX. 

I went to Citizen XXXX 2022 and receive a new debit card with same pin. Lastly I have been a client in XXXX XXXX 

In addition as child until theyre new names XXXX XXXX  XXXX and now Citizen Bank XXXX 

I hope keep my relationship with them. Please dont allow Citizen Bank to take my hard earn labor. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

RE : ShellPoint Mortgage Servicing Account : XXXX I paid off my mortgage in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received s Discharge of Mortgage notice and release of Lien. 

On XX/XX/XXXX, my credit report did not reflect the updated balance. I contacted Shellpoint and was advised that they needed 45 days. 
On XX/XX/XXXX, both XXXX  and XXXX still show my mortgage as open and owing {$50000.00}. I filed a credit dispute and on XX/XX/XXXX, XXXX fraudulently advised the credit bureaus that I still owed {$50000.00}. 
Today, XX/XX/XXXX, I contacted Shellpoint and they confirmed the {$0.00} paid in full balance, but would not assist me with the credit reporting dispute. 

Please accept this notice that I wish to file a formal complaint against Shellpoint Mortgage Services for failure to comply with the fair Credit reporting Act. 

Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I notified XXXX  of fraudulent charges to my account in XX/XX/2022. I called on several occasions, but the balance remained on my account. After several months of them reporting this to my credit report, my score dropped by more than XXXX points on Experian. I decided to file an FTC Identity Theft Report and send them the appropriate notification. They responded in an email saying : " Your account has been closed. Your unpaid balance has been cleared. No payment ( s ) or action is needed from you. Your account has been or will be reported as closed with XXXX balance. No unpaid balances will be reported going forward. '' All was true for my XXXX report, but the information on my Experian Credit report regarding this XXXX account continued to impact my credit score negatively. 

I disputed this negative information with Experian by providing XXXX 's email and the letters I had sent them. Experian denied my dispute and refused to update this information ; instead, Experian placed a false consumer statement and fraud alert on my file that I did not authorize.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

This is regarding Esperian 's completely non-existent customer service. 

On XX/XX/XXXX I received a postcard from XXXX XXXX asking me to confirm a change of address request for my Everyday Checking account and Platinum Debit Card. 

On XX/XX/XXXX I called them to let them know I don't have and have never had a XXXX XXXX account or credit card. They let me know that someone recently opened online those accounts using my name, address, and social security number. ( I'm waiting for a letter confirming they've taken care of closing them and that I'm not responsible. ) On XX/XX/XXXX I did some research about what to do to protect myself now that I knew someone was using my info. I learned I should immediately put a one year fraud alert on my credit report as well as a freeze on my credit reports. The fraud alert only has to be done once, but the freeze must be done individually at all three companies. 

I had no problems with XXXX and XXXX. I was able to go to their websites and open a free account and take care of the fraud alert and credit report freeze. 

Experian was very different! It would not work when I tried those tasks and/or open a free account. After filling everything out it would say it's unable to do it and it showed turning gear wheels showing something was wrong. I tried another server to see if that made a difference. It didn't. I was unable to do anything. 

According to their website it was during business hours and I should have been able to talk with somebody, so I called. WHAT A NIGHTMARE! No matter what I did I just kept getting looped back to the same menu options! I tried every possible option multiple times! It was absolutely impossible to get to a real person! Because I wasn't a paying member, I had no account number to enter. That may be why they designed their phone system so that I could not talk with a person or get any other help. INCREDIBLY FRUSTRATING AND NOT THE CONSUMER PROTECTION OR HELP THEY SHOULD BE PROVIDING! 

Since you are the agency that oversees them I thought you should know and hope you are abler to get them to change these abusive practices.
Consumer complaint received 2023-09-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc. (PA)

This is about beyond financial services number one they told me I was eligible for a consultation loan two years ago so I said okay. But two or three months after that I found out it was not a loan but some kind of consideration program I sent up direct deposit from my bank account thinking I was paying off a loan but no they were just taking money out of my account saying to pay on my debits. Not true for now I am in default with all my debts and don't even have enough money to file for bankruptcy. I feel that I got robbed. And they should pay off all the cards and loans interest and fees. And return my money they took. This money came out of my XXXX account. I see a judge ordered against beyond financial I need to be on that document and get reimbursed I lost a XXXX dollar loan to build a church because of them
Consumer complaint received 2022-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The emergency room charges have been changed several times each statement. The level of emergency room service states level XXXX. I received no service other than an IV. I have spoken with XXXX XXXX several times and nobody in billing seems to understand. Then they never submitted my insurance which i provided.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (GA)

Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from XXXX and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( XXXX, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On Sunday XX/XX/2022 at XXXX XXXX  I tried to get into a trans union credit report. Ive had my identity stolen and Im unable to get into this credit report. Im extremely worried because I just started my own business and they asked me for all my information and then hung up. I called 3 times and they gave me different information each time. I dont think they are the real trans union company . I cant access this account and I didnt even create it. So somebody else has access to my account. Please help this has been a nightmare. The number that I called is XXXX they also wanted me to send an email to XXXX its a scam and now that have all my info.