davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I had a balance on my Barclays Business Card in the amount of {$5800.00} on XX/XX/2020. I made a payment on XX/XX/2020 in the amount of {$900.00}, which my statement shows. However, Barclays Bank never deducted the {$900.00} payment from my balance and is now telling me I still own {$5800.00}, after they already took the {$900.00}. I called on XX/XX/2020 and spoke to XXXX who can not give me an answer. This has happened in the past where Barclays added a {$2000.00} charge to my account and it took three months and a complaint to you to get that {$2000.00} removed. It's absolutely ridiculous that I need to go through this account on line every day to make sure they do their properly.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In XXXX and XXXX I requested/ applied for the SCRA. They denied it. For the most part, a vast majority of other cards do this for service members. You are a service member focused financial institution and pride yourself on such. Yet to refuse to cap the interest for your clientele that you so proudly serve that does proudly serve for you, and trusts you? This makes no sense to me, rendering this contact.
Consumer complaint received 2024-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (OR)

Phoenix XXXX XXXX has not responded to inquiries to their email address. 

A prior credit collection firm of XXXX XXXX XXXX is named on their single-page notice, and it has never contacted me. 

The provider of the service, XXXX XXXX XXXX, has never provided a statement to me.
Consumer complaint received 2022-07-27
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. (CA)

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Equifax. They are reporting that I have late payments on the following account : XXXX  which is inaccurate and they have not provided how they verified this information to be true. In addition, all 3 agencies are reporting different information which means that the information was not verified and not reporting at 100 % accuracy! 

If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payment in question : XX/XX/2021
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

This was an XXXX debt from XXXX, and settled by XXXX. See attached settlement letter. XXXX. XXXX used XXXX XXXX XXXX XXXX, MN XXXX. Original amount owed was {$1700.00}, settlement agreement amount was {$1100.00} paid XX/XX/XXXX. 
Creditor Name : XXXXXXXX XXXX  Ref # XXXX Account # XXXX I notified Jefferson Capitol of this payment and sent them a copy and advised of legal action if they moved forward, and they did.

I know this is a scam, designed to bypass the 7 year statute of limitations.
Consumer complaint received 2018-11-26
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. (KY)

XXXX/XXXX XXXX I have disputed the educational loan XXXX/XXXX   XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2018-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (GA)

The XXXX XXXX XXXX has Over-Debited my account and Falsely Reported Negative information on my credit report. I have spoken to Several XXXX and XXXX XXXX Managers on several occasions trying to resolve all issues pertaining to being Overcharged by the XXXX Why not Lease Program. I have Vividly communicated that the XXXX Why Not Lease Program Over-Charged me and when I asked for a refund, My Request was ignored, and Multiple XXXX XXXX Scam Affiliate Companies Have Falsely Reported Derogatory information on my credit report. I developed an understanding with XXXX XXXX XXXX, that while we are working on this matter together that there would be no false or inaccurate information reported on my Credit report. I have been deceived many times by XXXX XXXX XXXX. 

Purchase XXXX Order XXXX, XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Led HDTV XXXX Shop your way points Redeemed : {$100.00} I will also submit attachments with Bank Records, Attorney XXXX , And Why Not Lease Paid in Full Documents.
Consumer complaint received 2021-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Loan Care, LLC (OH)

I pay {$600.00} to the U.S Department of Education - XXXX XXXX. The payments of {$50.00} were taken from my bank account every month which amount to {$600.00}. completed and signed paperwork was mailed to XXXX. XXXX XXXX, XXXX, NE XXXX. Fax : XXXX, phone # XXXX. After taking this amount from me, I call the phone number above, it has been disconnected. I was hit by a XXXX XXXX on XX/XX/XXXX of XXXX with a XXXX injury for which I'm receiving XXXX from Social Security. My XXXX number is XXXX. I can not remember the actual organization or Agency ( Student Loan Care , LLC OR XXXX XXXX XXXX XXXX XXXX ) but on my Bank Account record, it is written Student Loan with this phone number : XXXX.
Consumer complaint received 2018-11-26
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. (AR)

XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TN)

After calling these people twice and getting nowhere I disputed these charges on my credit report with all 3 of the credit bureaus. This company can not tell me why I am being charged for this debt and told me " I'm not gon na do your job for you '' when I inquired about it. This company has removed the debt from my XXXX and XXXX  credit report ( I'm assuming because they realized they made a mistake ) but is reporting it XXXX as valid debt. The most recent attempt to remove it and the last time I spoke with someone was on XX/XX/18.This needs to be removed from my XXXX credit report this company can not provide proof of the debt if I truly do owe it and is not being very helpful in resolving the account.
Consumer complaint received 2018-11-26
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: JPMORGAN CHASE & CO. (FL)

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with Chase Bank USA XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to XXXX, XXXX ( XXXX  ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2018-11-26
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-26
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. (WA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, and XXXX  XXXX
Consumer complaint received 2018-11-26
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. (WA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2018-11-26
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. (MI)

To Whom This May Concern, I have disputed a Bankruptcy reporting with TransUnion, XXXX, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Consumer complaint received 2022-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-27
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX
Consumer complaint received 2019-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MN)

Previous complaint XXXX claimed to be resolved but illegally capitalized interest magically reappeared in XX/XX/XXXX ( after being previously removed in XX/XX/XXXX ). Received letter from XXXX XXXX XXXX  back in XX/XX/XXXX stating the illegally capitalized interest would be removed and it was removed back in XX/XX/XXXX then magically came back again in XX/XX/XXXX. Not sure why capitalized interest which was previously removed in XX/XX/XXXX  magically reappeared. See two attached documents for more information!
Consumer complaint received 2018-11-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX has been non-compliant with removing the unverified account PORTFOLIO RECOVERY ASSOCIATES which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that PORTFOLIO RECOVERY ASSOCIATES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # 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 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. 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 2023-03-27
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be deleted.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The account XXXX  XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to XXXX  and Transunion but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2022-07-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

The account XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to Equifax and XXXX  but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments