davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

My complaint is with Midland Credit phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX XXXX, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, Midland Credit does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Transunion about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my report.
Consumer complaint received 2018-07-31
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: Midwest Recovery Systems (TX)

Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.
Consumer complaint received 2023-04-06
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

transunion is reporting an incorrect last payment date on my XXXX  XXXX bank loan XXXX i have disputed this SEVERAL times but never received a response from capital one nor a decision on my dispute nor is the error fixed. 

please see my internal email tracking file " transunion email status '' i shows that i submitted the most recent disputes on this matter on XX/XX/XXXX and XX/XX/XXXX. the fair credit reporting act requires transunion to remove this entire record from my file as XXXX XXXX violated the " 30 day '' rule on responding to a dispute. the XX/XX/XXXX dispute is over six weeks - plenty of time for them to have reacted to my written and online dispute to this error. 

on their own credit report ( see attached file " 6 years of tu reporting payment ... '' you will see documentation that the LAST reported ( for years of reporting ) payment was made on XX/XX/XXXX not XXXX XXXX i pointed out several times that the XX/XX/XXXX date represents the first time the acct went over 90 days late - not the last payment date. tu 's own report demonstrates that this fact. 

transunion needs to remove this entire account from my file as the last payment date still remains in error. 

i expect transunion to adhere to the laws of the fair credit reporting act and take the mandated action.
Consumer complaint received 2019-08-27
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. (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

On my credit report my name appears 5 ways.

1. XXXX XXXX XXXX Name ID # XXXX 2. XXXX XXXX Name ID # XXXX 3. XXXX XXXX Name ID # XXXX 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX Number 2 is the correct one. 



On my credit report. There are incorrect addresses. 

XXXX XXXX XXXX EXT # XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Multifamily All of these are incorrect information and I never at any point in my life lived in XXXX NY.
Consumer complaint received 2022-11-20
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-04-06
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I mailed letters to both Experian and XXXX  on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. Experian has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Entity : XXXX XXXX XXXX. 
XXXX No. : XXXX Loan Program : PPP Loan Forgiveness Program I have a PPP loan through B  of  America. Since XX/XX/XXXX, I have been trying to resolve this PPP loan so that I can close my account with Bank of America. I was told by XXXX XXXX at XXXX XXXX ) XXXX @ Ext XXXX about two weeks ago that she will link to my account portal to email XXXX of XXXX and XXXX of XXXX. I do not see that link in my account. When calling that number after 20 minutes of holding, all calls gets disconnected over and over again. I need to resolve this PPP loan and end my relationship with Bank of America. Their customer service is a four letter word in capitals for small business. I strongly believe that Bank of America is PURPOSEFULLY DISCRIMINATING small businesses for PPP loan to extract more fees.
Consumer complaint received 2018-07-31
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: General Motors Financial Company, Inc. (NC)

On XX/XX/2018, GM Financial received ( certified mail ) my debt validation request. 

I did not receive a response from GM Financial until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
Consumer complaint received 2021-07-07
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. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2019-08-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

I have tried and tried to work with American education services. They never send me the papers I need and never ever help me. My son is in the hospital and they do not even care about my financial hardship I am going through! Recently last month they charged me because I made two separate payments instead of my whole payment! What kind of XXXX is that? Why does it matter if I do two payments??? They want me to pay up over {$300.00} dollars just to cover my two separate payments. Um no. They are suppose to work with me, not me work with them. Its my money.i have report this company 3 times and nothing happens!
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I ask to Paypal to issue a refund ( {$62.00} ) because an item I paid online on XX/XX/2018 ( not XXXX ) and they open a case ( Case # XXXX ) I had satisfied all they ask for and they told me on XX/XX/XXXX that will issue the refund and it is XX/XX/XXXX and I didn't receive my refund yet. Aslo paypal had limited my paypal account for some item I sold on XXXX but I didt have the receipt of purchase on my name so they limited my account by paypal policy which it is they right, but why they are still keeping mi information even thought I ask for remove it from their server company and I'm very concern because paypal has been hacked several time. I talk to paypal several time and the refuse to remove my financial and personal information which in my opinion shouldnt be legal or allow. 
please if this matter is not part of your department could you guide me where should I submit my issue. 
thanks XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

on XX/XX/19 i received a letter stating that i owed {$980.00} to the XXXX XXXX XXXX. I ask for any proof and they didn't have any. The customer service rep just knew that i went to this office on XX/XX/XXXX which i dont have any knowledge of being in that office nor i do not know the address of this location. this is super frustrating when i have no knowledge of this request.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

Account # : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I ask XXXX and XXXX please review the address and phone number associated with Wellsfago credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the Wellsfago credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the Wellsfago credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with XXXX and XXXX and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the Wellsfago credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IA)

my XXXX XXXXXXXX XXXX I purchased in XXXX was repossessed after contacting the company saying I could not afford the loan in XXXX, they told me they would sell the car and let me know what was owed on the car after that, I was never contacted again until XXXX when they contacted my job with a garnishment request for {$5000.00}. I was told they ordered a judgment on me in XXXX but was never contacted and or served any sort of paperwork.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (OH)

XXXXPNC fraud prevention contacted me, XXXX had a fraudulent charge. Card/account was closed. I had autopayment set up to pay this credit card from my PNC checking acccount monthly. Fraud person told me not to worry, that I could set up auto pay once I received my card. Couldnt access the account until I received the card and activated the card. 
XXXXaccount payment due date XXXX-I finally receive the replacement card, I activate it, and select to pay statement amount. Slightly less than {$4000.00}. I paid the card in full, minus a late fee I was charged for not paying on XX/XX/2022. 
XXXXcall to dispute late fee and now about {$46.00} in interest charges on the account that I paid off on XX/XX/2022. Spoke with PNC customer service. They said the late fee was removed, but reminded me to make my payments on time. I explained the situation and told them it was not Normal, and to check my account because I always make payments on time due to having autopay. Explain situation to them, they refuse to remove Interest charges. I speak with two supervisors about this situation, first one the call is droppedI call back but cant be transferred to that person again. I get a second supervisor who is extremely rude, and tells me its my fault for not paying the balance off in full by XX/XX/2022. I remind her I couldnt. She says it doesnt matter, I have to pay it due to having a balance that was t paid in full for at least the last year ( even though I pay monthly, and the final in full payment should have contained all interest due ). 

XXXX have closed the account. Supervisor 2 refuses to give me her manager to speak to, refuses me contact information to speak to him or to file a complaint, informs me to mail the complaint-proceeds to give me a fake mailing address. I now have no way to file a complaint with them, and it remains unresolved. 

Also, in their account files that have it written that my old account balance was transferred on XX/XX/2022 and I am not sure how that happened since the account was closed due to fraud until XX/XX/2022.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As per the representative that I spoke with, upon settlement of the debt owed to Capital One, the account would be deleted from my credit reports. I have since full-filled that obligation however the account is still being reported on my credit reports and is severely harming my financial reputation.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 at XXXX I woke up to finding out my card was closed by Bank of America . 
I was told by an employee that it had to do with the state and that I had to get into contact with them. I finally manage to get in contact with my unemployment center a week later after countless calls everyday for a week. The person I spoke to at unemployment said that they did not close the account and case and point I am still able to collect. Bank of America has refused to re open my account as they insist its on the states part. They also refuse to give me my money back. Over 5,000 $ is in my account and because of this I was not able to pay my bills, my rent, etc.