davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2019-05-26
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. (NC)

Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XXXX completely. I have disputed the information on my credit report 3 times. Drivetime/Bridgecrest continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XXXX but not any other yr.
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX- XXXX , being mostly funded by Sallie Mae . XXXX- Sallie Mae denied by request for the XXXX year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. XXXX The school lost its accreditation status. Being an art school most classes will not transfer. I reached out to Sallie Mae repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did. On XX/XX/XXXX I officially withdrew from the school due to major lack of credit transfer options. I am in the process of getting my federal loans cancelled as the school closed, and working on joining a class action suit regarding the deceptive practices of the school. I have no degree from the school, no job to make SallieMae payments and want SallieMae to do the right thing and forgive the loans like the federal ones will be forgiven.
Consumer complaint received 2019-05-26
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: Experian Information Solutions Inc. (CA)

SEVERAL TIMES I ASKED IN WRITING EXPERIAN TO REMOVE 4 FRAUFULENT AND DUBLICATED ITEMS FROM MY CREDIT REPORT BUT THEY REFUSED TO DO SO. XXXX & XXXX HAVE REMOVED THEM LONG TIME AGO. I AM SUSPICIOUS THAT EXPERIAN NEVER DID ANY INVSTIGATION, BECAUSE AS I FOUND OUT THEY SELL VERY EXPENSIVE NEGATIVE REPORTS TO SUPRIME LENDERS. EXPERIAN ALSO REFUSED TO SEND ME MY ANNUAL CREDIT REPORT AFTER SEVERAL REQUESTS, BECAUSE THE COULDNT MATCH MY INFO. XXXX & XXXX NEVER HAD THIS PROBLEM. I HAD MANY PROBLEMS BEFORE WITH EXPERIAN AS WELL AS MANY PEOPLE THAT I TALKED TO ABOUT SIMILAR PROBLEMS. IT SEEMS THAT EXPERIAN IS ACTING LIKE A XXXX WITH A LICENSE!
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (NY)

On XX/XX/XXXX, I mailed the attached letter to ARstrat because XXXX improperly denied payment on a medical bill relating to my son 's birth on XX/XX/XXXX. XXXX failed to add my son to our account for over 4 months. The hospital ( XXXX XXXX XXXX in XXXX  ) agreed to resend the bill to XXXX, but instead sent it to collections. I've disputed the debt with both the original and collections creditor, but wanted to make the CFPB aware to complain directly to XXXX since their delay caused the initial failure to pay the hospital timely, resulting in inappropriate and stressful collections to me, the end user. I have a XXXX XXXX XXXX and a XXXX XXXX  career, and am writing this email at roughly XXXX XXXX at work. The military should better support its dependents.
Consumer complaint received 2019-05-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (GA)

It's bad enough for a collection to be placed on your credit that you do not owe. Even worse, the company has no recollection of my account. I have attempted numerous times to contact this company in regards to a collection that has been added to my credit. The client 's name that they " claim '' i owe money to is an apartment complex, called XXXX XXXX XXXX XXXX, that has conveniently been bought out by another company over two years ago and no longer has any records to indicate that I did not break my lease and departed from them legally. What makes it worse is that I had a roommate at the time who was violent and was ultimately my reason for leaving. The company was so helpful in making sure I had written letters, signed documents, and paid my portion of the rent and any remaining fees so that nothing would be tied to me. I see now that was a lie. And now this establishment is callled XXXX XXXX  with no documents in regards to me from its predecessor. How convenient. I left the complex in XX/XX/XXXX and I did not hear a word from anyone claiming I owed money until XX/XX/XXXX. First, I owed almost {$3700.00}. Now after disputing this amount for at least the third time, and most recently with XXXX, it was concluded that I apparently owe {$2700.00} when the original amount was {$2400.00}. Somehow, it changes on my credit score every  time i look into it. This is utterly ridiculous. Conveniently, now that the apartment complex no longer exists,, the new company can not find any information or files from when I lived there, which included me signing the proper paperwork to be removed from the lease as well as providing them with a notice and I needed to pay my portion of the rent for the last month i was there. Although, I do have a picture of the money order I have to the company which they accepted and I will attach that. Also, I have a copy of my 30-day notice stashed. I still have yet to talk to anyone in the company about my account because either I call this quality recovery " company '' no one can help me with my account because it can not be found, or I am threatened by them with the use of vulgar language. After several attempts, there was only ONE time I was ever given was an amount.. just told them my FIRST name, but didnt verify a thing and theyre asking for my card information. She wast even able to tell me why I hadnt received anything about the collection in the first place. Lies. Unprofessional.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-10-08
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. (TX)

Hello, I am writing this complaint involving a XXXX account listed on my credit report after several attempts to resolve it directly with both XXXX XXXX Experian myself. I dont want to waste a lot of your time so Ill make this as brief as I possibly can for you. Basically XXXX had been reporting incorrect data on my credit report so I reached out to them to dispute the information. They responded with a letter that I have included which stated they had properly corrected and updated my report. Unfortunately that was incorrect because nothing changed on my report. As you can see in the letter they provided, the charge off happened XX/XX/XXXX and was paid in full on XX/XX/XXXX. My first dispute addressed the fact that they are still reporting as charge off for 3 consecutive months even though the balance was paid in full in XXXX. XXXX refused to fix the incorrect information so I disputed it directly with the Experian and they failed to fix the issue as well. My biggest issue at this moment with Experian is that my most recent dispute with them has caused a significant error in reporting that is currently affecting my credit score and credit worthiness. After my recent dispute Experian basically removed all of the previously listed Charge offs that were reporting and instead listed them with No Data. However, what they also did was report this account as being recently charged off for XXXX which is absolutely incorrect and is most certainly re-aging this account to make it look like I just recently missed a payment. I will not allow Experian to get away with this frivolous reporting on this account. They made the whole situation worse because I havent missed a payment on anything since XXXX but it looks like I did in XXXX of XXXX. I would appreciate if this issue could get resolved ASAP as it is affecting me negatively while Im trying to make a home purchase. Thanks in advance for taking the time to help me resolve this issue.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2022 up until now they call almost every day. They are very rude and disrespectful. They curse at me and keep calling me over and over again. In accordance with the fair credit Reporting act LVNV funding has violated my rights. 15USC 1681Section 602 States that I have a right to privacy. 15USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I've also never opened a windstream account but there are two on my credit.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( XXXX ), ORIGINAL CREDITOR ; XXXX XXXX  XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish am account without my consent.
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

In XX/XX/XXXX I cancelled an auto payment with XXXX. I resigned up for the same service for {$100.00} a year. On XX/XX/XXXX I received a notice from my bank my account was overdrawn because both {$100.00} and {$120.00} were charged to my account by XXXX. I didn't have money in there for both charges because both charges where not supposed to go through. I contacted my bank and XXXX. XXXX said they saw both charges and said the {$120.00} should not have been charged to my account. They again cancelled the subscription for {$120.00} but left the correct one for {$100.00}. They then immediately refunded the {$120.00} on XX/XX/XXXX to Paypal. 

Paypal continued several times to collect the {$120.00}, so I called them, wrote to them, and emailed them. They told me I didn't cancel correctly because I had to cancel with XXXX AND paypal. I should only have to cancel with the company processing the charges, not with Paypal! Then Paypal said the refund was on hold because the charge didn't go through - a charge that should never have been presented in the first place. So. I put money in my bank account so that the charge would go through and Paypal could process the refund. The charge cleared my account and Paypal has had the money since XX/XX/XXXX, which was confirmed by my bank. It was in Paypals bank account on XX/XX/XXXX. 

On XX/XX/XXXX Paypal claimed the money would not clear my account until XX/XX/XXXX and I would get the refund after that. This is absolutely NOT TRUE! Paypal had the money XX/XX/XXXX. Not only did they have the money by this date, they also had the money from XXXX on XX/XX/XXXX. Yet they still refuse to give me my refund for a charge that should never have been processed in the first place! 

If Paypal puts charges through that are not authorized by the vendor, they should be held accountable. And if Paypal holds all refunds for days after they receive them, they are earning interest on money that is not theirs. They charge my account to overdraw with an unauthorized charge, and now they are keeping my refund money - for several days!!!!!. Their practices are shady at best and possibly criminal.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Trying to get a loan. Banker states there is a freeze on the credit report and he can not pull up. Three major credit agencies : XXXX, XXXX, Equifax. I never even froze it, I don't know who did.

1. XXXX -, no record of any freeze. We are ok with them.

2. XXXX - no record of any freeze. We are ok with them.

3. EQUIFAX - BIG TIME PROBLEM. Will not help and we gave them all info they asked for. 

Began XX/XX/XXXX. Beginning XXXX and throughout the rest of the day. Spoke with XXXX  XXXX, XXXX XXXX. XXXX XXXX. They wanted who our auto loan was with from XXXX, 13 years ago! This paid off XXXX. Why would I keep papers from 8 yrs ago when loan paid off. After 2 hrs searching found ins from XXXX that showed lienholder which I gave them. It didn't match up. I had actual name. I explained to them that frequently companies change names and this could have been the case with mine. But my payments were made to the lienholder I gave them. They would not accept! 

Then today, XX/XX/XXXX, I spoke with XXXX  XXXX who said the same thing then transferred me to XXXX the Resolution Specialist, All telling me the same thing. They they asked about another car loan. My husband had a 2009 van and I had a 1993 XXXX. This was so long ago. I asked them is there any other way to verify it is me cause my Banker is trying to order a credit report. 

THERE HAS TO BE ANOTHER WAY TO VERIFY!. Why are we being penalized because we paid off car loans and I gave them who the lienholder was at the time? They said we need to copy drivers license and social security numbers for both of us and it takes 5 days. I am almost XXXX. My husband is almost XXXX. We don't have a copy machine nor a fax. They said there us nothing they can do. In the meantime, my Lender can not order credit report. The other agencies, XXXX and XXXX were no problem, only Equifax. PLEASE HELP. My husband will also be filing a complaint.
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (AZ)

Business Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I received a " FINAL NOTICE '' letter to settle a past due balance with " Juniper '' stating the balance due was {$3400.00}, but could settle the debt by paying {$1700.00}. The envelop was post marked from XXXX XXXX, IL XXXX on XX/XX/2019 XXXX XXXX L. I saved the letter and envelop. I have no knowledge of " JUNIPER '' or any debt to that business. I also read the warning by XXXX regarding XXXX XXXX and its principle, XXXX XXXX. I also read the information regarding the Government Action regarding this actor and business activities, conviction and punishment.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion fails to updaye my information ( all ) i have sent certified updates, called numerous times to fraud department..i can not get them to correct my name, misding addresses, work history, midsing loans.. And can not get a credit score..on my XXXX and other databases it shows ( XXXX ) on transunion for my credit score. This has been continuing since XX/XX/XXXX..still i can not get any help ... i want my info ( all ) corrected and credit report and score available to me as i see fit and want my credit frozen and intialfraud alert and a apology from this bureau..this is the 2nd time in my lifetme transunion has had incorrect info on my report.. 1st time was a complaint in XX/XX/XXXX i had been reported for owing over 113,00dollars in federal tax ... i hired a IRS problem resolution officer ( XXXX XXXX ) she coild not find anything..only that i always recieved refunds on my taxes..well this issue came up again in XX/XX/XXXX ... so i dif the investigation and found that a county clerk had filed the complaint under the wrong Social Security Number..the name of person was similar to my name and live in a area ive never resided. I carried that burden from XX/XX/XXXX to XX/XX/XXXX..was refused credit because of this mistake ... and now since XX/XX/XXXX i have become a victim of identity theft. Some person or persons filed numerous 1040 form with my social security numbet.. The IRScontacted me by letter on XX/XX/XXXX and informed me of this and they caught the error because i do not have a tax filing status since XX/XX/XXXX..i was deemed XXXX in XX/XX/XXXX. I am furious and want my credit report corrected and a apology and i have suffered pain and mental anguish because they refused to listen or help me!
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

I have been with discover for over a year I have never missed a payment I have always paid my balance in full. I found out they closed my account when I got alert from XXXX. I never recieved a warning or a specific reason. I called and tried to get a reason behind the decision to close it they told me they couldnt provide the information and encourage me to apply for another discover card
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

For the past 45+ days Experian.com site is not allowing my to access my own credit report .... I keep getting error message that I need to call them to dispute info, and when I do I'm on hold for 45 + minutes until someone answers the phone makes me answer all the questions and then tells me to go on line to file any disputes after I got finished telling them that Experian site is not responding ... .rep tells me they can't file any disputes for me and I have to do it in writing. When I write I get a mail post card telling me to go on line to file dispute on line but the site it NONE responsive see attached.. 
This is a never ending loop consumer is being put in, and Experian is ignorant non responsive and isn't this a violation of f.c.r.a.? I should have free access to my own report, instead of forcing clients to call in and pushing us to purchase monitoring .... 
this is forced selling and their message about " dark web '' is scare tactic sales and is totally unethical there should be order there should be open access for consumers to their own information
Consumer complaint received 2019-10-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CFAM Financial Services, LLC (CA)

They company approach to me at XXXX and took my belong nings after that i request to take out my stuff of the car and they are trying to charge me a XXXX dlls fee, after that they contact me charging me a ver of XXXX dlls
Consumer complaint received 2019-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking account with Chase Bank on XX/XX/19 with a {$200.00} bonus promotion. In order to get the advertised bonus account holders must have direct deposit totalling at least {$500.00} within a month. After satisfying this provision, chase advertises the delivery of the {$200.00} bonus applied to the new opened account. I satisfied the direct deposit requirement within the month upon opening but never got any bonus applied. I visited the bankers multiple times to no avail.
Consumer complaint received 2019-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I am not aware of an account listed by ARS Account Resolutions to my credit report. ARS ACCOUNT RESOLUTIONS has reported  XXXX as a collection balance I am requestion debt validation. Please provide a copy of the contract of this account, Proof that you are legally approved to collect on this account and The account balance details to me as required by the FCRA within the 30 day required time line