davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since I discovered my credit report on Transunion which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (FL)

Debt recovery solutions is the debt collector, the original owner of the debt is XXXX fire and rescue. The date of service is in XXXX of XXXX, I had XXXX which became available in XXXX. I called and tried to explain to them about my insurance. The company gave me the run around I have disputed this claim five times to no satisfaction. When I did speak to someone they gave me XXXX number to do their footwork. XXXX said this company did not take out a claim towards my insurance for XXXX $ in XXXX of XXXX which they should have I presented the ambulance workers my insurance card etc so Im not understanding why they did not charge my insurance I tried to mediate with them to no avail and now they are after me about it I have had problems with the ambulance company. I called XXXX fire and rescue billing department last time it occurred but I wasnt aware they didnt send it thru until it showed up on my credit report last year and the date of service was in XX/XX/XXXX XXXX
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Express Cash Mart Management (TX)

I request the original disclosure of my loan ( cash mart express ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. 
But XXXX XXXX XXXX insist it is mine without any prove or even written notice. 
they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. 
The collection agency must provide me a document to prove validity of debt. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX and XXXX XXXX ) I am not sure how this happened. Each month I get an email stating that I have a statement. Unfortunately, Im not able to view it, see how much is owed or find out when the due date is unless I call them. Each time I speak to someone I tell them that Im unable to access my online account to schedule auto payments, view my charges, see online statements or make any kind of payment. They ask me to pay the bill ( sight unseen ) or at least the minimum via the telephone. I have requested, each time, to have paper statements mailed but they tell me that I can only do that online ( and, of course Im not able to access my online account ). Its a vicious cycle and one that I cant wrap my arms around. At the end of the day, Im paying late fees and getting my credit dinged but still cant see if I even agree with the charges on my credit card.
Consumer complaint received 2019-04-15
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. (CA)

there are 6 hospital collections reporting on my equifax credit bureaus only, inaccurately and these are inaccurate and not mine, i have been disputing and disputing with equifax, but they have been very much stubborn and not helpful, i ma tired of this disputes and not getting help. i have googled and found out that you would be able to help me, i am writing a complaint on equifax consumer reporting agency, since not only they are reporting many inaccurate and fraud account under my reports, also they are not helpful and so much made my life stopped and stressful. 
please find attached the FTC report on file.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

After filing an initial complaint in XX/XX/XXXX regarding Capital One rebilling and scamming me by keeping money refunded from a dispute, they have finally admitted XX/XX/XXXX that they rebilled me. They committed fraud per the Truth and Lending Act by keeping my refund of {$580.00} from a return of a dispute. They initially called it a permanent credit, although no Attorney General, Governor, CFPB or anyone at Capital One could explain what a permanent credit is. Per the Federal Trade Commission, a consumer can request to hear recorded calls to prove a dispute. They refused me listening to the recorded calls which would prove the disputed amount was never released but would have been held until the dispute was over XX/XX/XXXX. They closed my secured card that had a low utilization, always paid in full, before rectifying the disputed amount and rebilled my account. I was advised to file a complaint with your office and have got nowhere for two years but to stay consistent because I know what is due to me. I have filed a complaint under my emails : XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XXXX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). Capital One was sending me a refund check since XX/XX/XXXX in the amount of {$26.00} that I never cashed. I have updated my complaint that I have a recording of a Supervisor of Capital One admitting that I was rebilled. Capital One has since updated the check amount to {$71.00} that states for rebilled amount. Capital One sent a letter not apologizing but saying, Good news dated XX/XX/XXXX. The letter is stating that *MY ACCOUNT WAS REBILLED*, *NOW THEYRE REIMBURSING ME*, ETC, things that I already knew! This is illegal under the FTC! Capital One has tried to assassinate my character by saying my account was closed due to checks being returned. The checks were returned because I wanted my refund from the dispute in the amount of {$580.00} to be released. During that time there was NO premeditated money or money issued before anything cleared. Therefore, nothing was spent of the {$580.00} that was never released. Capital One thought that I would forget about it, but I have emails, voice recording, letters, and bank statement, I want justice!
Consumer complaint received 2021-02-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/2021, at XXXX XXXX, XXXX, and again at XXXX XXXX  Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my phone back to back and threaten to sue me, take me to court, and garnish my wages for a payday loan that is old on behalf of the Cash Store. I advised I have not discussed or talked to anyone from the store, or agreed to any settlement, or anything she claimed. she got rude, and said she will call my employer and garnish my wages, after she locate me, and serve me, and take whatever she wants out of my house. 
During a global Pandemic, and a Natural Disaster in Texas, we are without power, lights, and water, and she calls with this nonsense, I have enough going on in my life, and should at least of all have to deal with this.
Consumer complaint received 2019-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (PA)

I spoke with XXXX XXXX XX/XX/19 @ XXXX re : more flexible payments for loan. A {$50.00} good faith fee is required for any delay in payment. This fee is the cost of the monthly loan payment. When the delay in payment has been needed and used, often I borrowed from someone to pay the fee. When this option is used, it can only be done 3 months at a time. This poses a major problem because it puts me in a position of owing other people. Now, I'm laid off from employment as of XX/XX/19 and called again XX/XX/19. The representative told me there are no other options to assist me other than again paying the fee. This means I must borrow the money from another person ( this is not sustainable for me or the individual ). XXXX XXXX wanted me to post date a time to pay in 30 days. Again I don't have money at the moment, I'm awaiting an interview with unemployment and am unsure of how I will pay my mortgage and other household sustaining bills for me and my child. Whether I'll have money to pay XXXX XXXX is unknown at this time. XXXX XXXX stated the only other option is to miss the payment, fall into default and the collections department will contact me. What I need is another recourse of action while I am currently unemployed. What else can be done to keep my credit report from suffering while I have no employment if I'm communicating and being proactive. Why is money to pay for an extension the only option, especially if I have no money or employment a this time. Thank you for help.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Afternoon, I applied to GRANT myself credit with a Capital One credit card and got denied due to insufficient income. I have the right of GRANTING myself credit from my own Credit line no matter what, so I am confused why they felt they had the authority to deny what i authorized to be granted pursuant to 15 USC 1602 ( a ) ( f ) ( g ) I am the original creditor and who I give the right to extend my credit can not deny me because they do not want to pay the taxes. As the natural person I can grant credit at any given time. It is UNLIMITED CREDIT for a reason.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery reported a XXXX XXXX account to my credit. I disputed they kept reporting. Informed portfolio did not live at the address year debt was opened. They will not validate debt by mail and stated they do not have a signature of who opened the debt. Then accused my parents of opening this debt and committing a crime. They did not live at that address at that time either. Ive disputed this on my credit report too. I informed portfolio I know my rights under fair credit reporting act and again asked them to validate the debt in writing and send a copy of the signature for whomever opened the account. They wont do this and have no signature on file. They continued to say then my parents committed this crime. Again told them they didnt live at the address in that time either. Again they refused to work with me and validate the debt. They said they will just keep reporting it to my credit report as they can do that as much as they want.
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I cashed a check with them and it was returned to them as unpaid. I told them I do not have the money available to satisfy the whole amount owed. This company has been repeatedly calling me while I am at work and when I asked them to stop I was told if I do not come in by Friday to pay they will call the police and have me arrested and sent to jail for a felony and have to pay them more money than what is currently owed. I did not know the check that was cashed by them was not good and am willing to make them whole but I need more time and not to have my employment jepordised. They have also been calling my friends looking for me.
Consumer complaint received 2023-08-03
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. (RI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : 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  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.
Consumer complaint received 2023-08-03
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)

My credit report shows late payments to XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX, XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2019-04-15
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: Amsher Collection Services, Inc. (SC)

A few months ago, I received notification from my credit report that there was a collection item on my credit report that is a result of identity theft. I contacted the collection agency within the time allowed to advise them that the account was due to identity theft. I was told to fax them the identity theft report and they would remove the account. Today I notice that they have not removed the account from my XXXX report. XXXX and XXXX removed the accounts once they received the identity theft reports, but Amsher has failed to even try to remove this item from my report. Amsher was contacted in a timely manner at the time the 30 day collection notice came our, and they still placed this fraudulent item on my credit report.
Consumer complaint received 2023-08-03
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)

My credit report is showing late payments on XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX