davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have asked Portfolio to validate the debt. The only THING they have sent me was some credit card statements that I do not reconize. Sending bank statements is not Validating debt. this is my last attempt to have this account removed off ALL my credit reports or I will be contacting my states State Attorney General
Consumer complaint received 2018-04-07
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)

Experian and XXXX both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " Experian '' AND the " XXXX '' report! 

This score appears to be COMPLETELY DIFFERENT from XXXX XXXX " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CO)

According to the FDCPA 15 U.S. Code 1692a ( 2 ) communication is defined and means the conveying of information regarding a debt directly or indirectly to any person through any medium. Penn Credit Corporation is still reporting falsely on my credit report which is a form of communication that they are still trying to collect a debt not owed. This has caused me XXXX  and XXXX XXXX to the point it is effecting my work life balance. they can not communicate with me through ANY medium. remove your account from my credit report immediately your in violation of the FDCPA. 


On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on Ceasing communication. Pursuant to the FDCPA 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XXXX, XXXX XXXX, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe. I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation XXXX Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Senex Services Corp. (OH)

SENEX SERVICES WARNING I had several hospital bills from XX/XX/XXXX-XX/XX/XXXX however I don't know where to find the information anymore. I have called the hospital several years ago to fill out the required paperwork to have these bills waived as I was indigent at the time. I was told it was no longer possible and these bills fell off of my credit report after 7 years. I recently received a notice of judgment where there team of BLOOD THIRSTY lawyers SUED me to garnish my wages!
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

A national tire company, XXXX XXXX uses this bank for finance options when needed for tire purchases. The bank is XXXX. After paying my bill, I was taken aback by the bank prompting me to enter my entire social security number on their bill pay website. I called and made this point clear a couple days after the due date with a phone representitive. I was told the balance was {$41.00} and that payment would " zero out '' the balance on my XXXX XXXX  card. I was charged {$37.00} for the " delinquent '' payment. Subsequently, a second fee of {$37.00} was added to the balance as I just assumed I was done with my payment obligation. My latest statement ( XX/XX/year> ) shows a balance of {$76.00},, due to XXXX late payments of {$37.00} each on my balance of {$41.00}. This debt was paid in full acording to the offshore Comenity customer service representative. I had no reason to even open the last paper statement. I just assumed my balance was paid in full. I was shocked to see my account charged XXXX late fees and interest accrued.This nesesitated a phone call to XXXX where, I was prompted to enter my entire social security number. It's imporant to note, Comenity blanks out all but XXXX digits of the account number on their paper statements, therefore prompting me to enter my SS #. After more than an hour on the phone with XXXX representatives from XXXX, all declined to waive the excessive fees and the XXXX XXXX APR interest rate. My obvious frustration and anger, for good or bad, prompted XXXX to block my number for paying my " surprise '' balance of late fees and interest via the customer bill pay phone line. I canceled my card with the fifth customer support representative in my marathon phone session. So, my card is cancelled by my request. When I got to my home phone I was further agrivated by these charges and called to make a payment on my balance of fees and interest. The company has blocked my number from further communication with Comenity. I'd be more than displeased to pay my balance but would with small increments till the {$76.00} was paid. XXXX says no payment other than the minimum payment would be accepted. I am aware that there is a loud voice from consumers to banks to " be fair '' with outrageous fees. In my estimation, XXXX simply doesn't need or can't justify this kind of money, AFTER my purchase has been paid in full. Since my account has been canceled, can I not simply make any payment option I choose to pay these fines? 
I'll write my representatives in XXXX to shine the light further on business practices by banks that harm real people, like me. Please afford me any options that XXXX be available and thank you, XXXX XXXX
Consumer complaint received 2023-04-07
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-05
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. (GA)

This XXXX XXXX XXXX Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent account.
Consumer complaint received 2019-08-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (CA)

I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from XXXX XXXX. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (MD)

Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : Credit Plus. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MS)

WE paid our account in full on XX/XX/2017. in XXXX I received an e-mail saying I a late payment. I called and they said I had signed up for paperless statement, which we did not. They could not produce a document where I said I wanted that. When they sent me a copy of my bills for XXXX and XXXX, I saw charges for XXXX dollars on the XXXX bill which I did not charge and an interest charge of {$7.00}. on the XXXX XXXX I was charged the {$19.00} and a fee of XXXX making a total of XXXX then I called this A.M and they said I owed XXXX which is more interest. I told them I would pay the XXXX just to get rid of the hassle and they said they could not delete the rest of that interest. I want them to go back and refund me that interest and fees that I do to owe.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has a " hard '' credit inquiry dated XX/XX/2016 still listed on my Transunion credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau.

I have contacted both XXXX XXXX XXXX and Transunion credit bureau to have them remove this inquiry from my credit bureau credit report.
Consumer complaint received 2018-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Consumer complaint received 2021-12-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

I was given a loan modification from Chase Bank in XXXX of XXXX because they said I met their qualifications for a hardship and I had never missed a payment. 
They never discussed with me the terms of the modification other than to say they would escrow my homeowners insurance included in my new payment amount. They never told me they were going to add fifteen years to my mortgage. 
Now on XX/XX/XXXX I have received an insurance bill from them for {$1100.00}. They have also just informed me that they have sold my loan which is why they added15 years to my mortgage. 
I have spoken with their executive office and was informed that Chase Bank regulations require them to make sure they have discussed the terms of the modification with their customers which Chase Bank failed to do. 
They have acted with impunity and deceit in order to take advantage of one of their customers. They did this knowing full well they were going to sell the loan and make a bigger profit by adding fifteen years to my mortgage
Consumer complaint received 2022-06-10
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. (FL)

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-10
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)

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-08-28
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. (CA)

XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (IN)

This is my second complaint about this company I found my original contract and the services they were suppose to provide were for my business XXXX XXXX XXXX they are saying that I requested services for my personal credit which is inaccurate I have documents as well to support my claim. This company is reporting I owe a balance on my personal credit which it should be on my business credit because thats what I was told they were going to do as well as I have documents supporting this. This company is fraudulent and they say they help people but end up hurting them in the process I want this company to remove this negative item off my personal credit immediately.
Consumer complaint received 2022-05-03
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (IN)

First National Bank of Omaha has placed a delinquency on my credit report for a card which I do not have. I do not have an account with this organization unless this is the result of fraud or theft.
Consumer complaint received 2021-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX, I sent a dispute letter regarding inaccurate and unknown things on my consumer report. Til now, 50+ days later, I have yet to receive a response. I feel Iike Im being taken advantage of and ignored regarding my disputes. Section 611 ( A ), it is plainly stated that a failure to investigate such claim within 30 days gives reason to immediately remove such items from my consumer report. It has been 50+ days and shall be deleted promptly. Furthermore, under the FCRA the consumer reporting agency, Equifax is required to include that such account has been disputed by consumer. Because this has not been reported to my consumer report, this is also a violation under 15 USC 1681 ( i ). I demand these accounts be deleted immediately or I will file for litigation due to the stress and issues this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-30
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I am writing to you as a concerned parent and consumer. I have first hand awareness of Navient 's predatory loans. I co-signed loans for my XXXX daughters and can not get released from their loans.They keep resetting them to start over.When I took these loans, Navient/Sallie Mae encouraged me to co-sign. They said they would not get approved without my co-signature. I do believe my signature is my word, but these children are in their late XXXX XXXX. As for XXXX XXXX University, my daughter left the school after 4 1/2 years without a degree. They never guided her to finish on time or to meet her requirements. Schools have a responsibility to their students to guide them so they finish on time.As for Navient, I pay over {$800.00} a month and it is all interest. I paid {$8700.00} in the last two years and the loans continue to increase. For the Plus loans, I originally took out {$57000.00} and I owe {$61000.00}, and I've been paying for 5 yrs. It is criminal. They are helping themselves instead of the borrowers
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

I have requested a background check from XXXX to start working as a delivery driver for XXXX XXXX, XXXX, and others but they came up with a background check with incorrect information. When I sent a complaint to the company, they basically told me that their system is always accurate and that their previous background check is correct without providing evidence.
Consumer complaint received 2019-08-26
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)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was an authorized card user on 2 individuals Kohl 's account. I requested to be removed as an authorized card user ; however, for some reason the accounts are still being reported in my credit bureau reporting.