davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (KS)

Due to personal financial issues, I have had no choice but to resort to payday lenders and these high interest rate, last ditch effort loan companies. 

I borrowed {$400.00} on XX/XX/2018 at an APR of 347.5685 % and will end up paying a total of {$820.00} with my last payment on XX/XX/2018. 

I called the lender on XX/XX/2018, the date of my first payment, to inform them that I would not be able to make my first payment. I asked if they would be willing to settle on a lower payment plan or stop accruing interest. They said that there is nothing they can do and I am set on the terms of my agreement and will just have to fall behind on the loan. 

I understand that I agreed to the amount owed, but I can not afford to pay back over twice what I borrowed. I am hoping to be able to settle this debt for something around 18-20 % APR but have been unsuccessful in reconciling with Big Picture Loans.
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Received no written notification of this debt. Don't know what this debt is. 

Repeated harassing calls from rotating numbers several times a day to myself for months no messages ever received. Research on my part indicates it is Portfolio Recovery Associates. Still unclear where debt originated. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XXXX XXXX, XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.
Consumer complaint received 2018-09-03
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. (MI)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Granite Creditors Service, Inc. (CA)

This company sent me a letter stating I owed their client money. I disputed the letter within the 30 days of their letter stating I had to do so in writing or their demand would be considered valid. I disputed the letter right away and sent them a response denying a claim immediately. I was alerted my XXXX XXXX that I had a negative credit rating and a collection account which predated their initial letter to me. This company placed this collection account on my credit report in XX/XX/XXXX ; They officially notified me in XX/XX/XXXX and I responded in the same month denying the claim. 

This company has done 2 things : threatened me with a negative credit collection which is not a valid debt and misrepresented and lied about following the rules of me wanted thi=em to prove a debt. This debt also appears to be out of statute.
Consumer complaint received 2018-09-03
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: Early Warning Services, LLC (TX)

EARLY WARNING SERVICES IS NOT IN COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT! I SENT EWS A DISPUTE LETTER ON XX/XX/2018. REFLECTING ALL 3 NEGATIVE FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF. EWS RESPONDED TO ME STATING " THAT THE FOLLOWING ACCOUNT WAS VERIFIED '', BUT THEY HAVE NO PROOF OF THE ORIGINAL CONTRACT, OR 100 % ACCURACY FROM WHAT THE RULES AND REGULATIONS STATE WITHIN THE CONFINES OF THE FCRA LAW. YOU ARE NOT ALLOWED TO TARNISH MY NAME, REPORT INACCURATE INFORMATION, THE REPORTING OF THESE FRIVOLOUS OR FRAUDULENT ACCOUNTS IS AFFECTING MY CREDIT WORTHINESS AND I WILL TAKE FURTHER LITIGATION AGAINST THE COMPANY EWS!
Consumer complaint received 2018-09-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I monitor my credit with XXXX XXXX through Transunion and XXXX reports. On XX/XX/XXXX my FICO score with Transunion was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me XXXX   had made a remark on my report and that is why XXXX dropped my score and subsequently Transunion also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
Consumer complaint received 2018-09-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (CA)

I have a loan with NAVIENT. 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 XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I submitted a XXXX complaint to Chase Bank to implore them to issue and sign a Hold Harmless Letter ( HHL ) on my behalf to XXXX XXXX XXXX ( XXXX ). The request for HHL was due to a recall of a wire transfer ( XXXX, XXXX ) that I personally initiated since I was made aware of a SCAM being perpetuated by an account holder of XXXX. The intent of the HHL is to protect the account holder from XXXX in the event that I am the one perpetuating fraud. The information that I have from my local detective who communicated with the criminal investigative unit at XXXX acknowledged that there have been over 25 other fraudulent transactions associated with the account and the account is currently " locked down ''. I have provided a significant amount of information such as a XXXX XXXX   Article, email transcripts and other document to substantiate that I was a victim of a scam. Issuing a HHL on my behalf should be a courtesy based on the circumstances of my request. According to Chases position I should seek law enforcement for assistance in this matter and I have completely pursued this approach also. I had a police report generated for the case at my local police department, coordinated with the countys internet crime division prosecutors office and reported the incident to the Internet Crime Complaint Center ( IC3 ) which is part of the FBI. The prosecutors office indicated that they will not be able to issue a HHL or provide a Seizure Warrant to legally retrieve my money from XXXX. The arbitrary response I received from Chase shows that they have not considered the merits from my request and maintain an unyielding corporate position not to issue a HHL as a matter of policy only. The lack of consideration afforded to me shows that they dont care about their clients. The only risk that Chase would assume would be if the account holder of XXXX had a legitimate objection to oppose the recall which I am willing to accept personally. I would like Chase to reconsider my request.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I filed a complaint, again, against National Credit Systems. I requested that they remove the collections from my accounts because my signature and that of my late husband, did not match ( not even close ) to the paperwork they have on file, I also filed an affidavit for Identity Theft as I have been dealing with that a lot more lately. 
They have removed the collections from my XXXX report, but not from XXXX and XXXX. why is that? Will they please just remove it already. According to XXXX, it was voluntarily removed by National Credit Systems.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OK)

XXXX I was served a summons for payment on a debt. I signed and agreed. 
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. 

XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. 

XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Green Square Company LLC. (KY)

This number calls me repeatedly and says I owe a debt and they are taking legal action. I dont owe a debt and they leave nasty messages on my phone. They wont say who they are just say legal department
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (IA)

XXXX XXXX XXXX, Added an account that has been handled through my Chapter XXXX Bankruptcy, but yet they ave listed this account with all 3 credit agencies as open. This debt is included in my chapter XXXX bankruptcy, it s illegal to list any debt that is included in a chapter XXXX, and list on a creditors file as open. I tried to handle this repeatedly through the 3 credit bureaus and they refuse to verify through my attorney and court.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and 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 I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

SUNRISE CREDIT SERVICES ( XXXX ) opened a collection on my account for XXXX $ supposedly opened on XX/XX/XXXX. I have disputed this account and nothing has changed yet. I have asked them to show proof but has not received it.
Consumer complaint received 2018-09-03
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)

Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees.

* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge XXXX The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.
Consumer complaint received 2018-09-03
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)

This is so exhausting ... .. I have been going back and forth with Equifax for the past year and A half .... they removed fraudulent accounts from my credit and then re-inserted them back to my credit when the accounts are fraudulent. 

I have supplied Equifax with my police report, fraud affidavit and my FTC case number because I have also reported the fraud to the federal trade commission and Equifax has yet to remove the accounts that have been placed in my name. 

The accounts that are unknown to me and included in the police report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2019, I called wells fargo to report an unauthorized XXXX transaction in the amount of {$400.00}. The rep stated they would file a claim and that I would have an update within 10 business days. Rep also stated that a fraud investigator would contact me that week. At the end of the week I called WF and was told the initial claim was setup incorrectly and that they would need to create a new claim, rep told me I could call back in a few days for status. On XX/XX/2019, I called again and was told the claim has been misfiled again! Was told a new claim would be setup and rep advised me to put in writing that I did not initial fraudulent charge. On XX/XX/19, I called for an update and was told that a new claim was started on XX/XX/19. I did not initiate a new claim or speak to anyone at WF on XX/XX/19. After being on the phone for 45 minutes, I was transferred to the executive office where another rep told me a claim would be set up AGAIN. She placed me on hold and the call disconnected.
Consumer complaint received 2018-09-03
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)

3 Accounts have been opened in my name due to Identity theft. I have an alert placed on my credit file. I was sent an alert email when an inquiry was placed on my credit. I have contacted the company XXXX and the 2 accounts were closed immediately as well as an account with XXXX XXXX XXXX. I have also filed a police report. 

The accounts are in good standing and they report closed on my credit report however, Transunion has not removed the fraudulent accounts. 

I am requesting the 3 accounts be removed & an unknown/in authorized inquiry from XXXX XXXX on XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Promotional purchases & Non promotional Purchases. : XXXX Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (CO)

I received notification from a seperate collection agency ( Central Portfolio Control ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os XXXX XXXX XXXX Original Creditor was XXXX, XXXX XXXX Original account # Internal file to Central Portfolio Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with XXXX, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.
Consumer complaint received 2018-04-05
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. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.