davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

I disputed the amount 2 years ago because ( XXXX/AdAstra ) they reported it during COVID when I was having financial issues and I had told them that. 

They then went and debited my account for this money in full ( {$3500.00} ), but it caused me to overdraft and then the money was reversed and I was charged an overdraft fee. I had to close that account and bank elsewhere. That was also illegal. But they did it. We had no food. I communicated my situation and then they overdraft me causing me more money loss and hardship in the middle of COVID.

They did this without consent and billed my old debit card for 2 accounts. One went through for a few hundred dollars. This one did not. They did not have consent on either. I had PAID this off in interest too. But the interest rate was SO HIGH it wasn't going down. So, they are really not out any money. It's predatory lending. 

Each MONTH they update the old debt and make it look like it is a current late payment. It shows this under " status date '' and " balance date '' and each month on the XXXX it is reported LATE again and AGAIN. I disputed it and they did it again. 
They won't stop. It's illegal and reading my debt. It makes this old debt look like NEW DEBT and it hits my score again and again each month. 

It has damaged my credit and this is OLD. It's NOT NEW It caused me to not be able to take out a Federal Parent Plus Loan, this past month for my for my daughter 's education because they have reported monthly to the credit bureau like it's a payment I miss montly, Federal loans say you can not have any new collections in 2 years. This was years ago but they have re-aged the account. They keep re-aging the account. 

Finally, just a few months ago they had to put the original date on the credit report. But still report monthly like it's a late account. This is OLD DEBT. And when they report late each month its doesn't matter they show XX/XX/2019 because it is still reported each 4 weeks to the bureaus. I have nothing else derogatory on my credit so because of this my scores won't go able XXXX. It is so upsetting. 

This is against Fair Debt Collection Act and illegal. Additionally, they call my cell when I told them to not call again. Most recently they have twice, again after I disputed this again with XXXX. They said they debt was current and it is not. It should be uncollectible as it is now too old. I live in CA. They have the wrong date also on this. It was earlier than XX/XX/2019. 

They should not be able to report to credit bureaus. They had my e-mail and have only been calling despite me telling them to never call again. I have screenshot of one of recent calls from a XXXX number after XXXX XXXX at night. It is harassment and they have raged my account monthly for 24 MONTHS since they started reporting this!!!!
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I dispute XXXX  of XXXX/Nelnet account for payment history. The payment history is incorrect for XXXX of XXXX/Nelnet account. I am requesting that this item is deleted on my credit report.
Consumer complaint received 2019-01-17
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. (VA)

On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.
Consumer complaint received 2023-03-09
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 checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

Paid off my Sears Card last XX/XX/2021. Continuous autopay payments came out of my checking account the XXXX of each month following. Last week I spoke with my bank and they researched, and stated the payments were made in error. ( these have been disputed ) When I spoke with a foreign person with Sears they stated they could not close the account I paid off unless I gave them my social security number by phone. I refused. I continue to receive calls from someone I believe is posing as Sears, trying to collect a debt. When I followed up with Sears weeks prior I was told they too could see I have a XXXX balance and the payments from my checking are not from them. 

I am getting harassed by someone texting and calling me now on a daily basis. They do not always leave a voice mail. XXXX is the number they call from. 

Please advise, XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

One of my business checks was stolen from my home. The individual wrote the check And forged a signature and was able to go to my bank institution and cash the check for {$1700.00}. The bank called 2 days after they had cashed the check to ask if I authorized the check even though it had already been cashed. I filed a fraud claim the bank denied the claim because they say it was negligence on my part in not having the check under lock and key. The check was in my home office in a closed drawer. I filed a police report and turned that it to the bank and they still denied my claim.
Consumer complaint received 2019-01-17
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. (MS)

why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since XXXX and Transunion couldn't help me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Experian and XXXX couldn't help me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

We asked Wells Fargo to arrange to close our account and transfer the funds to our XXXX bank account. This was arranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX, the transaction confirmation number was XXXX and the amount was {$9400.00}. The money did not arrive and following prolonged discussion with Wells Fargo the wire transfer was rearranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX.  Transaction confirmation number was XXXX. Again, this did not arrive. We have been in discussion ever since and have now asked for a bank check to be sent to us. We have been told that we can not have this until Wells Fargo have received the money back. We have said that this is unacceptable as we should not be kept waiting any longer for this money. The lady dealing with it is XXXX XXXX in the executive office and she has a case file open, number XXXX. 
She is sympathetic but says there is nothing she can do as responsibility for this is with the wire transfer department. We have asked for a senior manager to contact us but this has not happened.
Consumer complaint received 2019-01-17
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. (MS)

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest 01 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 2018-09-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

My mortgage was being serviced by XXXX XXXX. When I logged in to my account to pay my XXXX payment, I learned my mortgage was no longer being managed by XXXX XXXX, and was now being managed by Volunteer Mortgage Loan Servicing. Neither servicing manager sent me notification that the mortgage changed hands. I've tried consistently to contact someone with Volunteer Mortgage Loan Servicing. After several attempts, and leaving several messages, I was able to reach a gentleman that provided me with an account number and instructions to make the payment online. I've tried doing that multiple times, but have been unsuccessful due my account be locked. I've since tried contacting Volunteer Mortgage Loan Servicing, but to no avail. I've left messages, and today someone finally returned my call. Volunteer Mortgage Loan Servicing is now refusing to accept my XXXX mortgage payment.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC (WI)

In XXXX, I reached out to CoreLogic CredCo to get a copy of the consumer report they had on me. Upon receiving the report, I immediately wrote back asking them to delete information that was inaccurate, against HIPPA regulations and not properly verified as mine. I asked for an updated copy of their report once the appropriate changes were made. This letter was dated XX/XX/2021 citing Dispute Entry # XXXX. 

On XX/XX/2021 I received a letter with an attached report, ticket # XXXX. Nothing was changed. There are still accounts listed that are in violation of HIPPA, accounts that violates 15 U.S. Code 1681c as well as 15 U.S. Code 1681 ( 7 ). Furthermore, they're citing their source as XXXX and yet XXXX is a CRA that does not have the items listed that I've disputed. Furthermore, to have such items listed violates the FCRA as they're refusing to comply with requests to delete when they clearly haven't verified the information to cite XXXX 
I've subsequently filed an FTC report XXXX # XXXX XXXX for fraudulently reporting errors regarding my consumer report and they're blatant failure to comply with the law.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I received a phone call that came up on my phone, Bank of America.. I gave them all the information they asked for.. social, drivers license, debit card numbers. I looked at my bank account 2 days later.. their was 4 charges amounting to XXXXwhile I was on the phone my sister called me and said I just called your phone and somebody else answered and was giggling and they hung up.. my sister then called my wifes phone and said get off the phone its not boa. In fact my phone was hacked.. I called boa and filed a claim. A week later I received a letter from boa stateing, XXXX, unfortunately, were unable to approve your recent claim I reopened it XX/XX/XXXX and explained what had happened to me. I didnt hear anything back yet.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX is constantly sending threatening collection letters to me and recently sent one to my son regarding a debt owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this debt to MCM- I will not pay or negotiate with them. They shared my personal information with someone other than myself which violates collections laws.

I want this account removed from MCM and from my credit reports immediately!
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I get a loan since XX/XX/XXXX with of amount of {$2800.00}, I already make XXXX payments of XXXX and I still owe them {$2000.00}. 
I spoke with some one on XXXX, this person tell me that they charge the first year the interest ahead because after a year make making payment of XXXX every XXXX weeks the balance still remaining the same.
Consumer complaint received 2021-07-15
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: Io, Inc. (MD)

On XX/XX/XXXX I sent a letter to Receivable Management Systems requesting validation of a debt on my XXXX XXXX and XXXX Credit file. I received a response of a Billing Statement from 2015. Receivable Management Systems is reporting OUTDATED information on my Credit Report. The Statute of Limitation in the state of Maryland to Report debt is 3 years and they are continuing to report OUTDATED information to the bureaus and continue to violate the law
Consumer complaint received 2022-03-15
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. (WI)

Transunion keeps verifying an account listed on my credit report because the furnisher provided them erroneous information. I have never left the XXXX of XXXX at no time. Yet they continue to verify an address Ive never lived at in my life. I dont know much about disputing things but this information they have from said furnishes is violating my rights. Transunion will not remove entry and I have disputed this twice. Once on XX/XX/2022 And again in XX/XX/2022 2022
Consumer complaint received 2020-09-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (MD)

XXXX, XXXX has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

This past week, I received a new card from Discover, giving me until XX/XX/XXXX to activate. On XX/XX/XXXX, I received an email stating that my account was closed. I called Discover. They told me that I had requested the new card last month ( which is not true ) and that on XX/XX/XXXX, they did a review on my account, and decided to close the account due to inactivity. My history shows that I made a payment on XXXX of this year. It was not inactive. It is unfair that Discover shut down a credit card as this will adversely impact my credit, which is something that is not helpful during a pandemic.
Consumer complaint received 2019-01-17
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)

Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I get an email on XX/XX/19 that access to my checking account has been blocked for some unknown reason. I call up on XX/XX/19, go through the gammet of questions they ask to confirm my identity, including them sending a text message to my phone and me reading the text to the service representative. I then am told there is nothing they can do for me and that they are working on a solution without any explanation of what the issue is, what their solution is, etc. leaving me without the ability to access the account where my bi-weekly paycheck is deposited, from which my bills are paid, for seemingly no reason whatsoever.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Every other credit card company was able to help us in our financial hardship. They closed our credit accounts and put us on a five year loan to pay off our balance at half our monthly payments. {$100.00} a month credit card bills became {$50.00} a month and in five years we will be free of the debt. Capital One refuses to do this. They closed our account but continue to charge us {$70.00} in interest every month. After 5 phone calls begging them to help us we got hung up on. We need a five year payoff on our balance with no interest and late fees like every other company did for us. We can not afford the {$100.00} per month Capital One refuses to budge on. If they will not work with us on this we will have to file bankruptcy to stop the huge interest charges from them. They are heartless rude and cruel. If they wont help us I will be sure to tell everyone I know to avoid capital one over all other credit cards