davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pressler & Pressler, LLP (NJ)

I have an old credit card debt that is with a debt collector and I have been paying on it for the past year or so. I have missed a few payments. So I wrote to the company and asked for my balance in writing only through email or US mail. They still attempted to call me. And they did receive my letter because I received a response back stating they received it and asking me to contact the office. At this time I want no verbal communication with the company only email or US mail. I would like to get the account taken care of so I need the information which is my balance that's all. And they do not list the information on the website but will glady take a payment.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (CA)

I trying get my taxes deposited on an bank card and ask me buchnch of XXXX question that I don't rember the answer due a XXXX XXXX I had so its hard for me to remember the answer to even get my taxes that I rightfully owed to me due pandic it been hard to do any thing I had car actin just aweek half ago and I have a bad head injury cause me to even remember old number and address at this point due to what happen to me I only have remember after actent not before any more and this pontin in time doctor said give it time that I should get those members back in time XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

GM Financial mistakenly reported late charges to XXXX, XXXX, and XXXX that appear in my and my spouses credit reports. I paid all the monthly statements on time until the last payment due date. We have been told the late payment claimed in the account is related to lease car return fees rather than loan payments. However, it appears in our report as a +120days late monthly loan charge, which is extremely hurting our credit scores. Our understanding is that GM Financial sent a letter in the mail regarding this fee, but we have not received it. There was also no email notification from GM Financials in this regard. We accidentally found this reporting during our regular credit checks and paid in full immediately. However, it still appears in our reports and negatively impacts our credit scores. Although we have reached out to GM Financial a few times, they have not taken action to make corrections to this report. I would like GM Financial to coordinate with all credit bureaus on removing this posting from both my and my spouse 's credit reports and correcting the negative impact caused on the credit score.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a payment to my credit card. This was the first payment. I made a payment of {$600.00} to a maximum limit of {$1000.00}. I made a payment with a direct payment from XXXX  XXXX XXXX linked to my bank account. Capital one tells me they will not give me the available credit for a week. I am of the opinion that if I had known in advance this would happen that I would not have made the payment. XXXX tells me that payment posted. The money is out of my account. I am telling Capital one that if they don't like the money they can return it. We can stop it all right here. I beleive that capital one is pulling a scam of course making a little money on the side. This is ridiculous. I will put a stop payment on the payment if Capital One doesn't like the money.
Consumer complaint received 2019-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/19 I paid my XXXX XXXX credit card bill with a XXXX ACH for {$700.00}. My Accountant informed me that I should cancel the ACH because it was a Corporate Account. I cancelled the XXXX ACH and remitted a XXXX ACH on XXXX {$620.00} which was my new Balance. XXXX XXXX XXXX sent both ACHs to XXXX which would only authorize the ACH for {$620.00} because that was the only one authorized by me. XXXX XXXX repeatedly asked me for a letter from XXXX stating I authorized both ACHs. I refused because that was not right or authorized. My Credit limit was {$950.00} and the total of the ACHs was {$1300.00} which was almost double of what I owed. They closed my account which was ok with me and I spoke with many employees of XXXX XXXX and I asked them how to take care of the balance and they informed me to pay as agreed and no problem. XXXX payment was made on time as usual as well as XXXX payment. XX/XX/XXXX XXXX XXXX reported to Experian that I was late and they charged off my account. I have had this card for over 2 years and have never been Late. This is reflected in all my documentation I have to support this. Experian still show a charge off even though I have all the supporting documents proving I have paid as the cardholder agreement and XXXX  XXXX is abusing their power to report a charge off even though I have paid as agreed. Experian has removed the late payments and the past due amount XXXX XXXX was reporting through 2 different open disputes I have filed. This XXXX XXXX Charge off should be removed and shown paid as agreed. This has lowered my credit score over 59 points. I havent contacted the other credit reporting agencies about this injustice but I will. I pride myself on making all my credit card payment as agreed. This is hurting me tremendously. Thank you!
Consumer complaint received 2018-10-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/62 SS # XXXX Experian will not delete or correct the account for XXXX XXXX on my report I closed the account and I was never late and it showed late after I closed the account because of the billing date. this has been corrected by XXXX  and XXXX  but Experian will not the simple mistake. if they read the last payment date it will show it a mount before the close date and the late payment date. simple math!!!!!! if fact them had to send me a check for the over payment after the account was closed. 

Fix : correct the late payment if this is too hard!!!! simply delete the account
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IA)

On XXXX XXXX XXXX  I was the victim of a scam where I was told I would be receiving a payday loan, which later turned out to be false. It instead was a switch where the company involved wanted me to send back money to them from my account and made false deposits to my account. While I was in the process of calling Wells Fargo about what happened they closed my account entirely. I had planned to do that anyway however they now will no longer do business with me again even though I was the victim in this case. I do understand that I fell for something false but I have banked with them for years and never once had an issue on my account such as this. Further they will allow my spouse to open an account, just not me. I don't believe this is a justified action on their behalf nor do I believe a thorough investigation into what occured was done by any means.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (CA)

In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX   XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a XXXX XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. When I originally reported this in XXXX of XXXX, this account was supposed to be closed, and no longer reporting to any credit bureaus, as this was not a debt that could be validated. As of now, XX/XX/XXXX, this account is still open, amassing interest, and reporting to the credit companies.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LD Holdings Group, LLC (GA)

I am contacting you with hopes to have this negative information removed from my bureau.  I have no knowledge of these accounts and have been a victim of identity theft and fraud.I have attached the police report, FTC Identity theft ID, and FCRA Furnishers letter as a consumer for protection and rights.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (IN)

I went to pay my rent of XXXX XXXX  only to find out My bank account was frozen due to tax lien against me., in XXXX & in XXXX. I worked in XXXX and submitted XXXX in XXXX I didnt work at all. My husband is main provider as I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United collections XXXX has left me with no money to eat pay rent or take Brother in law to XXXX. This is an unjust Travesty and a hardship! My husband & I hired XXXX XXXX XXXX XXXX  for taxes Lady who handeled our case quit XXXX XXXX XXXX XXXX! During this time we were scammed out of our home & put on the streets on our XXXX XXXX wedding anniversary. Then husband hired XXXX XXXX XXXX, off over XXXX XXXX & XXXXothing! Collection Agency works on a 60 percent percentage, and I was told oh well! They also sent letters to an address I havent been at in years! But they new correct address to freeze bank account? Please We are XXXX  and cant handle losing all in life again, I pray and beg you for help! XXXX XXXX XXXX
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank
Consumer complaint received 2019-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is the financial institution that handles the student loan. I have paid on student loans since XX/XX/XXXX. Most of money goes to interest, fees, late charges, and other charges that I can not account for. The loan was variable a variable interest rate. I was cosigner. I have removed my son from the loan and refinanced the note in XX/XX/XXXX. The balance was XXXX with a fixed rate of 7.24 %. My monthly payments are XXXX. I have always said with XXXX and Wells Fargo, this is predatory lending at its best. Thousands of dollars have been paid towards the loans. After 5 payments totaling XXXX, the balance has gone down {$400.00}. This is not counting the interest and fees added on since XX/XX/XXXX, so I have made no progress at all. It is never ending. I have informed Wells Fargo that even though I have -0- ZERO late marks on my credit report, I am ready to default on this loan as they have drained me dry. I am XXXX years old and can not continue to give these crooks another dime. They are awful, just like XXXX. Why can't the government step in and stop this practice. I have credit cards with higher interest rates and I can always see a reduced balance when I make payments. When I pay my auto loan, which is a fixed rate, I see the balance go down. Same as my mortgage. Why is it different with student loans. You never see any progress.
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Kashable LLC (VA)

This was a loan advertised to federal employees as being deducted directly from federal payroll. However, Kashable failed to draft the loan from my payroll for 2 months unexplicably but they marked my credit report as it having been paid late. I dont know if they failed to communicate with my XXXX XXXX or what happened, but I paid it off almost immediately when I realized there was a disconnect between my payroll deduction and Kashable 's receipt of the payments. I believe these late payments should be removed because this company specifically targets and advertises to XXXX XXXX as the loan repayments coming out of your pay and I relied on this assertion to my detriment when they failed to take out the payments for those two months. There was no problem initially with them taking the payments and I am not sure happened these two months where it was reported late, but I had no reason to think there was an issue in the process. I should not be held responsible with this penalty when I believed that this would be deducted from my pay and they failed to do so
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank had a hard inquiry for a Disney credit card on XX/XX/2023. I called XX/XX/2023 concerning it. I was sent a identity theft packet. Was also told it would be off if found to be fraudulent in which it was. Nothing happened.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

A credit card was opened in my name on XX/XX/2012 with a balance of {$8300.00}. I wasnt aware that a credit card was opened in my name until I received a phone call from XXXX XXXX and I immediately asked them to dispute my file
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2020-12-22
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I don't recall having a contractual relationship with this collection company CREDIT SYSTEMS INTL IN. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo reported this account as late for dozens of months in XXXX, XXXX, etc. The Deed and Title to this home WAS IN MY NAME! The mortgage had been discharged. Wells Fargo disputed the discharge of the mortgage and sued me in XXXX XXXX XXXX XXXX, but later ended up dismissing this lawsuit. The Credit Report reflects that there is no money owed on the account now but the late payments are still there which hurts my score. I need these late payments removed from my account.
Consumer complaint received 2021-11-10
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. (TX)

XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (UT)

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. 

Account : # XXXX XXXX XXXX  In the amount of {$550.00} Account # XXXX XXXX XXXX XXXX In the amount of {$2000.00} 15 U.S.C 2681 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 1681-2 ( 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 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

A letter sent to me on XX/XX/2019 from XXXX about action taken and statement of reasons. Stating I have a derogatory XXXX HISTORY as a reason to deny credit. 
From the report from Experian XXXX XXXX XXXX XXXX. Among other reasons, I went online to Experian and can not find anything in public record. 

I sent a letter to XXXX wanting to know from were and about what on XX/XX/2019 

Is there another source?
Consumer complaint received 2020-12-17
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. (NY)

Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal trade commission and need these accounts to be removed immediately. Under the law of section 605 of the FCRA, you have 4 days to comply. Thank you!