davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC (NE)

Received a collection letter on XX/XX/XXXX from XXXX XXXX XXXX which is owned by Reel Time Capital, LLC ( a company created for a foreign entity in XXXX in XXXX, FL ). See recent CFPB complaints XXXX and XXXX for information on the XXXX XXXX XXXX XXXX. 

Today, we received a call from the company. Following are details of that call that we also provided to the Nebrasaka Attorney General 's Office : - The call came from the company that XXXX XXXX XXXX turned over the collections to at about XXXX XXXX CT. 
- The call came from number XXXX and the person introduced themselves as Mrs. XXXX. 
- Mrs. XXXX said that she was calling us about our outstanding XXXX loan. When my wife said that we never opened a loan, Mrs. XXXX asked if we had a case number from a police report. She also said that they have more information for us, but we have to validate ourselves to them. 
- My wife said that we would not be providing any more information since we did not open any loan with anyone. Mrs. XXXX then said that they would continue to contact us and that the loan will not go away. As my wife started to ask another question, Mrs. XXXX abruptly hung up on her, - The number left by Mrs. XXXX to call her back was XXXX.
Consumer complaint received 2020-12-23
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: ENCORE CAPITAL GROUP INC. (NY)

On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (TX)

I have been dealing with this for months they was suppose to remove inquiries that I do not have I ask multiple times to be removed. They say my documents are not readable they have came with many excuses just like there systems down. They could not verify these inquiries when ask or the dates or what information was given. I have ask why is it there when I have a freeze no answer. Now I was force from getting a house because these disputes never resolved and it affected my credit report. This is my worse experience with any company. They have fail to deliver with the worst customer service or care in the world.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-06-10
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. (PA)

So, long story short I had bought a large cage for my small animals that costed around {$300.00} from XXXX, since I knew I had other bills coming out, I applied for a loan through XXXX  that would bill me monthly until it was paid off. Once I had realized I could pay the rest of it off in full, I did. About 2 weeks after it was paid off, I had noticed my Fico credit score on Experian drop by almost 50 points from very good to good! I am so upset over this as I need a new car and a great credit score and Ive been working so hard to keep it that way. I have proof it was paid off EARLIER than it was supposed to be, and yet it STILL went against my credit as an unpaid loan. Ive called the customer support and they have been of no help and also filed a dispute through Experian, which somehow didnt end up going in my favor.. I want my credit score brought back to its original state asap, and I want Experian to get better. I have no late bills and I dont deserve my credit to be tarnished like this when I paid a large bill off EARLY.
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion and their accomplice XXXX XXXX  have zero regard for the law contained in the fcra. 
the accompanying attachments fully explain the uncontrovertible, unconscionable regard for damage inflicted time and again with more than 15 verified disputes on the attached account. 
the account is fraudulent. 
the account is duplicated with two different account numbers. 
the account has been disputed 15 times and never certified. 
the account has no regard for accuracy. 
the balance unpaid was created by the creditor ... see balance history, it is not factual or accurate or even possible to occur as reported ... it is impossible for the reported balances to happen the way the bank states in any case..it is more than likely computer or operator error. 
no one has looked at the obvious face of the record in 15 disputes. 
it seems as if there is no way this false reporting could hurt me more ... as a single not duplicated item its a loss of creditworthiness in the realm of 40 fico points but transunion has decided to publish the same account with two different account numbers and two different payment histories and all other info the same amounts, dates of opening etcetera to damage me more severely so that i not just have one serious derogatory but two of them on an otherwise perfect credit report.
Consumer complaint received 2021-06-10
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: Experian Information Solutions Inc. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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. (TX)

I called them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.
Consumer complaint received 2022-10-06
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. (CT)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

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 : 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 items of information, other then records of convictions of crimes which antedates the report by more then seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I spoke with 3 representatives to include 1 Supervisor from Transunion offline department and spoke with 2 representatives from the online department. I spent 2 hours explaining that I received an erroneous credit alert-the alert stated that I was thirty days delinquent on an account that was paid off in good standing in XXXX the creditors name is XXXX. I spoke with XXXX to verify that I don't have anything outstanding with them, they confirmed that my account was closed in good standing in XXXX I explained all of this information to all the reps at Transunion, Transunion lowered my credit score by 4 points due to the incorrect information and would not allow me to dispute the incorrect information. They proceeded to tell me that they don't see any incorrect data and no one asked me for a copy of my alert no one offered to investigate. I would like to receive a complete refund for their credit monitoring service it is not beneficial I don't know what I'm paying for, this service is supposed to alert consumers of errors etc.. which is does however there is no way to dispute erroneous alerts. I would like this issue fixed and I want a full refund for all the months I've paid for this service.
Consumer complaint received 2020-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (MD)

I have had a credit card or line of credit with Wells Fargo for installation of floors with XX/XX/XXXX.. I began this relationship in 2014 whereby I replace the first sets of floors on the level of my house. The cost was approximately {$3200.00} with an intertest rate of XXXX and monthly payments of {$140.00} for 48 months. When I have paid off more than 1/2 of the balance, I would call for the next stage of replacing floors, that was an additional {$2000.00}, with the same rate and monthly payment. This year I called for another phase of floor replacement. This time the cost was {$3900.00}. I signed the same paperwork. 
I recently received the monthly payment with a totally different payment plan. 
The payment went from $ XXXX $ XXXX/month with an interest rate of XX/XX/XXXX %. I contacted Wells Fargo by e-mail and phone and inform them that that was not an agreement with XXXX XXXX. ( written or verbal ) Wells Fargo does not have any agreement in writing for the change in payment and interest. I have NEVER been late or missed a payment, my credit score does not warrant such an increase. XXXX XXXX did not inform me of the increase and or change in payment or interest rate otherwise I would not have agreed to the flooring.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

My business PayPal account was hacked the hacker changed my bank to XXXX instead of my long standing XXXX XXXX XXXXXXXX Account. 

I received XXXX from my client and transferred to my bank days later my funds were not available. I we n't in to my XXXX  account and realized my funds were stolen. PayPal has admitted the unauthorized change of banks but still refuses to refund my money. 

I have over a month of detailed notes, photos and fbi forms.
Consumer complaint received 2022-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority (MI)

I am a full-time graduate student graduating in XX/XX/XXXX, however, my grace period for student loans already started and payments are due in XX/XX/XXXX ( XX/XX/XXXX because of Biden 's extended repayment freeze ). I have called the loan provider multiple times but they are saying that they are waiting for my university to update this information. I called my financial aid office and they said the information about my enrollment is already updated.
Consumer complaint received 2022-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX to XXXX {$3900.00} Account # XXXX World Financial # XXXX Her name is XXXX I asked for office address she didn't have office address!!! She keeps leaving messages and emails.. 
Barely trying to make it and want collect on the pandemic ...... 
Plus Thts Not my last she called me by ex married last name ( XXXX ) She threating to send documents to my HR garnish my wages!!!! 
And put a lien on my house if I didnt pay it!!! 
I told her to send me the document she said no until I paid it in full and only than she could send me the documents .... 
Tht was my ex-husband old bills which he has been incarcerated since XXXX This was open back. InXXXX It been over 24 years And they are still trying to collect She said last there was still activity on it XXXXWhich I know nothing abt... I have court documents where it states tht he Is responsible for any outstanding bills that we had together we divorced in XXXX... I told her tht too.. 
But still She keeps leaving messages to call her
Consumer complaint received 2018-05-24
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: JPMORGAN CHASE & CO. (CA)

On my Chase account online, Chase showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from XXXX ). This inquiry should be removed from my credit report since this is Chases fault. They shouldnt be giving me offers if they will just reject my application.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (NY)

On XX/XX/XXXX I ordered my credit report from XXXX, I was able to obtain reports from two out of three companies. XXXX and XXXX  delivered my report promptly. Equifax sent me a letter, denying my report and asked me to send in copies of my documents ( social security, photo ID, proof of address. I have called the company and was asked twice for my personal information, and again was denied my report and asked to send in the copies of my personal information. It is all because of verification and information protection act, as I was told. When I ask for the reason, I was simply told to send my information. Unresolved, still no free annual report.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc. (CA)

I have a paid off time share with XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX NV Contract # XXXX / Owner ID # XXXX / Contract ID # XXXX I paid this off back in XX/XX/XXXX even paid extra for yearly maintenance fees, well I never heard from the maintenance department or anyone till I got a letter on XX/XX/XXXX from Continental Central Credit stating I owed {$3600.00} balance to XXXX XXXX XXXX XXXXXXXX XXXX. So I sent them a certified letter to dispute the debt balance since I knew I paid off my time share. Finally I got a letter a month and a half after from Continental Central Credit, with a statement or remittance slip that I owed maintenance fees from XX/XX/XXXX till XX/XX/XXXX for a total of {$2700.00} witch included {$190.00} in late fees..I contacted XXXX XXXX XXXX XXXXXXXX XXXX and spoke to a XXXX in Resort Accounting and gave her my contract id # XXXX, I advised her to why was I never notified this was past due, her response was " we notified you by e-mail every time it was due '' XXXX XXXXXXXX. I told her that was my wife 's e-mail and she has never gotten an e-mail from them. I also told her told her that was a violation of FDCPA, she said you have to call Continental and couldn't help me. Continental Is adding {$900.00} for collection and attorney fee. I feel this is a violation of FDCPA and FTC
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

I asked them for verification of the debt since I did n't recognize the account and all they sent was a letter stating the amount without any type of break down or representation on what the account is. Then when I reached out to the actual entity that sold them the debt they sent me a break down of charges but I do not recognize because this is a fraudulent account. I have been a victim of many account and items opened and filed in my name which is why there is a fraud alert on my report now.
Consumer complaint received 2019-07-28
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)

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-07-28
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. (GA)

I disputed this account twice with the credit bureaus and they came back and stated verified. I have documentation that they verified it. I also have documentation from the creditor indicating that I was never late in XX/XX/2019 since the loan was paid in full on XX/XX/2019. So how can this be verified when the loan was paid on XX/XX/2019, and the month has yet ended? This is a violation of the Fair Credit Reporting Act, reporting inaccurate data on credit report.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

My mother had a credit card with Capital City Bank. She passed away on XX/XX/XXXX. I called Capital City Bank, advised them of mother 's death and asked them to stop auto-debiting our joint account. I was told two things : 1 ) the future auto-debits would be canceled and 2 ) the current payment was pending and to call back the next day to have it reversed. When I called back today and spoke with representative and a manager I was told.. '' I apologize for the loss of your mother ... .we can't give you any information nor can we confirm or deny that auto-payment was canceled nor can we assit you in canceling your mother 's auto-payment from your checking account. '' So even though my mother passed away on XX/XX/XXXX, and Capital City Bank was notified, they still took {$200.00} from my checking account on XX/XX/XXXX even though they had advised me that this would not happen. I feel as if they are taking advantage of me as a consumer and are trying to profit from the death of my mom.