davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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. (NV)

The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (GA)

on XX/XX/XXXX i was contacted about a debt i wasnt aware i asked him to please verify the debt and he refused to verify it and he said it was my responsibility to prove it wasnt my debt and he was going to start reporting it to my credit
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

In 2017 I sought treatment from XXXX XXXX  in XXXX Ohio. I was given a credit card with XXXX XXXX. Although I attempted to resolve issues with both the company and bank I received circular referrals that led no where. I recently completely paid the {$3000.00} even though the service was painful and unsuccessful, and to me, medically unsound considering my condition. I simply wanted to be done with it after repeated efforts to seek recompense short of a civil suit.Now the bank is charging me an additional {$1500.00} deferred interest. I am a senior, in the process of being determined XXXX. I filed with the XXXX  and am filing on XXXX  XXXX as I have seen other complaints against XXXX XXXX and have received emails from other consumers.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Machol & Johannes, LLC (CO)

I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/14 arounXXXX XXXX XXXX XXXX XXXXXXXX XXXX realized my debit card was missing and there were unrecognized 3 charges totaling XXXX from my TD debit card account. I immediately went to TD banl closed the account and disputed the charges, however my claim was denied. I opened a second dispute this time with evidence of security footage from the smoke shop the nuathrized charg was made, employee witnesses, and police report that a man was seen using my card using XXXX XXXX  where a pin is not needed using my debit card. However my claim was denied again. It is apparent that TD bank is not taking throughly investigating my claims and not taking any of my evidence into consideration which is negligence on their part considering I am a protected customer against fraud. TD bank has also not given a descriptive detail as to why my claims keep getting denied. Please help me come to a resolution as I would like my money back.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (GA)

I am writing to dispute the accuracy of information contained in my credit report as provided by XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies.This is fraudulent reporting! The account numbers on XXXX do not match from the two files of evidence. 
Creditor Name : 1STPROGRESSXXXX Credititor Address : FIRST PROGRESS CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA 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. (GA)

ALL 3 MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX These inquiries have an impact on my credit score and need to be removed. 

-
Consumer complaint received 2019-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (MO)

Medicredit Inc is attempting to collect three outstanding balances which are unknown to me : From XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00} ; XXXX XXXX XXXX in XXXX XXXX in the amount of {$280.00} ; XXXX XXXX XXXX XXXX in the amount of {$63.00}. I have attempted to contact Medicredit on a number of occasions in an attempt to verify the debt -- including trying to source a copy of the consent to treatment of consent to billing insurance from the medical facilities which might help establish whether or not an account was actually established -- but have not been provided such information. Medicredit refuses to discuss how the debt was verified or what documentation they procured to do so. Additionally, I have been the subject of unauthorized auto-dialed telephone calls and I have notified Medicredit, explicitly, that I wanted to be opted-out of them.
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 — Account information incorrect
Company: V and H Portfolio (LA)

Ive written several letters requesting verification of the debt theyre claiming I owe, including a detailed breakdown and that have not provided the information. Instead theyve reported the balance to XXXX instead of providing me with the information requested.
Consumer complaint received 2018-05-24
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)

2 of the 3 Credit Bureaus, including XXXX and Experian, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.
Consumer complaint received 2021-06-10
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: AES/PHEAA (DC)

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them.

I sent out letters back in XXXX to XXXX XXXX  and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2019-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

This is the second time I have filed this claim. I filed a claim a month or so ago, and It was resolved on XX/XX/XXXX with it being closed. Transworld was contacted and they did not give information that justified the calls. They are a known scammer. Case # XXXX. They are calling me again and leaving the same recorded message as before. They have called and left messages on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX, XX/XX/XXXX @ XXXX XXXX from the same phone # - XXXX.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

The consumer reporting agencies are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .I did not give them any written instructions to furnish this on my credit report. I sent certified mail and feel like Im being taken advantage of and being ignore by my disputes. I demand these accounts to be deleted immediately or I will file for ligation.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (HI)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX  XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX  XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Collections Enterprise, Inc. (VA)

American Collections Enterprises XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This collection agency called my employer and scared my secretary. I do not know how they obtained my work number. They embarrassed me in front of my cowokers. 

I have never given this organization my number or authorized them to give I have never entered into a contract or have any business relationship. 

They are saying I owe them a debt to which has never been validated. I am demanding them to cease and desist any and all collection activity to include, but not limited to remove any and all negative reporting on my credit and reports and to never to contact my via phone work or personal. 

This debt has never been validated so I dispute any and all claim that I have a debt with this agency
Consumer complaint received 2017-07-25
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. (TN)

I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2021-05-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX  first payment was due on XX/XX/XXXX ". 

I attached proof that Experian credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or Experian CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from XXXX XXXX & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the EXPERIAN CRA or XXXX XXXX or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To Experian & XXXX XXXX this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.
Consumer complaint received 2021-05-31
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 (DE)

Today I called OSLA because my online access said their information did not match my information ( SS and DOB didn't change ). The rep who answered the phone immediately launched into a pitch about how I qualify for forgiveness under newly passed policies ( not true ). The conversation then included him encouraging me to say I couldn't afford my loan and to claim additional family members were living under my roof ( to lower my payment ) that are not residents of my home.

Ultimately he was selling me on refinancing my loan with an origination fee ( {$890.00} ) and a higher interest rate ( +2 % ) from my current rate.

This caught me off guard because I had called to straighten out an administrative thing and ended up in the middle of a high pressure sales pitch.

Agencies entrusted with servicing Dept of Education student loans should not be high pressure selling anything and encouraging fraud.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The company reported to both XXXX  and Equifax that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to Equifax and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 two transaction were made thru my XXXX account with the stolen amounts as follows to someone by the name of XXXX, it was from the same bank. 

1. {$490.00} 2. {$1000.00} I contacted my bank on the same date XX/XX/2022 to find out what happened and who authorized this transaction and to file a fraud claim. 

On XX/XX/2022 we received an update on the claim, we were informed that their research was completed with the response. 
We found that the transaction was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Fifth Third Inquiry from XX/XX/2018 Bank Fifth Third Inquiry from XX/XX/2018 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.