davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/21 I applied for a credit card with XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX was established. 

But then XXXX made TWO additional inquiries to my Experian credit report on XX/XX/21 and XX/XX/21 without my authorization. 

XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.
Consumer complaint received 2020-06-05
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$37000.00} XXXX {$580.00} XXXX {$540.00} XXXX {$970.00} XXXX {$540.00} XXXX {$57.00}
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC (VT)

I keep getting phone calls, 3 per day, from what appears to be a local phone number. However, when they leave a message it is a computer voice saying they are trying to locate me and if I don't call they back they will contact all references on file. They leave the call back number XXXX. The call reps answering the phone at that number are rude, threatening and refuse to stop calling. Apparently there is some " debt '' I owe that they are trying to track down. I recently bought a house and the bank thoroughly checked my credit. I do NOT owe any money. I need these harassing phone calls to stop.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Klarna AB (NY)

I purchased some items at home depot and was approved for a Klama Inc credit account. 
I had a balance due in the amount of XXXX dollars and when I attempted on line to make payment prior to the XX/XX/XXXX due date and I was not able to. The Klama Error message was I could not submit payment at this time. I tried many times and Failed. I tried calling Klarna customer service to resolve the issue and just got recorded massages that said to go on the web and pay. 
However I received a late pay email from Klarna on XX/XX/XXXX with a XXXX late fee then the payment was accepted. I paid a total of XXXX the XXXX Plus the XXXX late fee. I do not have time to play these games with a company that rips people off with fees. The company has committed a grave malfeasants in this matter. XXXX knows how many other people they did this to.
Consumer complaint received 2021-11-08
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: Exeter Finance, LLC. (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

EXETER FIN is reporting late as reported in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NJ)

i am complaining about citibank. i have a citi card that i tried to use at XXXX on XX/XX/18 and i had an issue where my card was declined and when i called to confirm the charges they would not clear the card. i told the rep i was standing in line at XXXX and she said she would send me a letter.. very unprofessional. i spoke with XXXX and XXXX at at XXXX XX/XX/18. when i returned home i called again and verified myself with XXXX id # XXXX   at XXXX XX/XX/18. At that point i wanted to close my account and she said she couldn't. They decline my card thinking its fraud and when i verify myself to cancel they said they couldn't. what kind of unprofessional backward practice is this. i was a victim of identity theft and take this very serious. also they have not alerted me once about the suspected fraud or my calling to cancel, not one call, text or email. I think they need to revisit their security policy protocol. I think they outsource their customer service to other countries, i could barely understand the reps. i want these representatives FIRED for their incompetence and unprofessional behavior. i will take legal action if this is not rectified.
Consumer complaint received 2022-06-19
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. (TX)

in accordance with the fair credit reporting act XXXX XXXX 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 a 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 2022-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

I have tried to dispute the debt with DRS and XXXX. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with DRS or the company they are trying to collect for.
Consumer complaint received 2022-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

Initially requested proof of indebtedness, the responded with a payment history which is not proof of indebtedness. I gave my conditional acceptance statement and followed up by asked for proof that they are the holder of the original note. They responded by referring me to a link to a federal website where I can find my original promissory note. I asked that they send me a notarized letter on their letterhead saying that my note has not been purchased or sold and they responded by saying they can not provide me with what I asked for and again to refer to terms on my promissory note. The promissory note does not have my signature. 

They have been able to provide me with anything asked. All in all meaning Great Lakes is not the original instrument holder and according to truth in lending there are violations and illegal actions taking place. Only the holder of the original instrument can collect on it. 

My student loans need to be discharged immediately.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I address the consumer reporting agencies regarding multiple unverified accounts causing undue financial and emotional strain. I demand all disputed accounts to provide the original contracts within 30 days. Failure to comply will result in legal action against the involved companies. 

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 2021-02-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Closure date of account is XX/XX/2018 stating that the reporting agency Bank Of America has suspected fraud on one of my personal accounts and closed it without any notification. This has made it very hard over the years to get a bank account. It has been over three years which is the amount of time it takes for the report to fall off of your record.
Consumer complaint received 2018-05-17
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. (CA)

I disputed the accuracy of account XXXX XXXX XXXX # XXXX, requesting proof ( OG application w/ my signature ) that this account belongs to me. However, I have yet to receive any contracts, applications with my signature verifying that this account actually belongs to me. I have sent multiple disputes trying to get this unverifiable, inaccurate account deleted, however the bureaus continue to report inaccurate, unverified information. Balances on 3 bureaus are different, one bureau reports a monthly payment on a close account. The account is just inaccurate and bureaus have not followed through with proper verification.
Consumer complaint received 2018-05-17
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. (CA)

I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH XXXX, SO I CALLED XXXX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING XXXX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM TRANSUNION SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR TRANSUNION CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT TRANSUNION. I ONLY CALLED XXXX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT TRANSUNION, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I filed a complaint against experience with your organization. XXXX  had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. XXXX reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. XXXX  also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (UT)

Flagship Credit is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. Flagship credit is in violation of FCRA. and needs to report correctly.
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (CA)

I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.
Consumer complaint received 2022-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (NY)

I have undergone life saving treatment for health issues. I have tried to resolve all mortgage issues with my previous mortgage servicer XXXX XXXX. We offered to resolve debt for a short payoff. We offered them the amount of the value of the interior appraisal. It was not until XX/XX/2022 that I was informed by XXXX XXXX  that they transferred mortgage to statebridge. Secondly, the foreclosure was prosecuted without standing. Lender had to ask the court to vacate their judgement of foreclosure and sale and reinstatement a new judgement and change the name of lender. Lender should have requested foreclosure be dismissed.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (IN)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi- I am writing to express my disappointment and frustration regarding my recent hotel reservation through XXXX  XXXX. I had made a reservation for hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX, US ) from XX/XX/XXXX XX/XX/XXXX with confirmation XXXX, and to my surprise upon arrival at the hotel on XX/XX/XXXX, I found out that my reservation was canceled without any prior notification from XXXX XXXXXXXX. 

I was looking forward to this trip with my family and had made all the necessary travel arrangements, based on the reservation that I had made through XXXX XXXXXXXX. The sudden cancellation of my reservation has caused a significant inconvenience to me and my family. I was on the phone with XXXX XXXXXXXX customer service for over 35 minutes and unable to get any help other than putting me on hold multiple times. I had to make alternate arrangements at the last minute while sitting in the hotel lobby that cost ( $ $ ) me more than my original reservation. 

What is more concerning is that I did not receive any communication from XXXX XXXX regarding the cancellation of my reservation. I had to find out about it when I arrived at the hotel. This is completely unacceptable and unprofessional on your part, and it has left a negative impression on me regarding XXXX XXXXXXXX Travel. 

I would appreciate it if you could investigate this matter and provide me with a reasonable explanation for the cancellation of my reservation without any prior notification. Additionally, I would appreciate it if you could provide me with suitable compensation for the inconvenience and stress that this has caused me and my family. 

I hope that you take my complaint seriously and take appropriate action to ensure that this kind of situation does not happen again in the future. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Customer
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (IL)

XXXX has had a collection of debt notice for me not returning faulty equipment for about 6 years now. I had a XXXX account in 2017. I moved and advised that the equipment stopped working and I had to work from home in my new home so I needed to go with a new provider and I could no longer receive their services in my area and they charged me for the equipment and billing that I did not use. The amount was {$210.00}. They reported this false collection to my credit holders. For 6 years they have been changing debt collection companies and reporting as new debtors to XXXX, XXXX, etc. They never originally told me that I owed anything and the XXXX time XXXX did call I told them i couldnt gain access to the broken equipment because I had to move urgently ( XXXX  XXXX situation ). They never said I would owe a debt or sent mailings to my new address so I never received any proper notice or precise instruction of handling anything.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, telephone XXXX. On XX/XX/2022 I contacted XXXX customer service to be able to transfer money to my daughter that they were denying. The people as XXXX representatives, XXXX accents, said my identity must be established. They were a fraud site. At first they ran me though many exercises that seemed non threatening. But eventually got me to thru XXXX transfers totaling {$3400.00} saying it would be refunded after all was completed. In going thru the process they had me sign into XXXX  app as part of my identity verification. This process involved photographing my drivers license. So they have a lot of critical information on me. They said they were running into problems completing the process and would get back the next day. I realized then I was in trouble. I deleted app, changed password on XXXX. Today I received email response from XXXX that was addressed to a XXXX XXXX. I have tried many times to contact Bank of America fraud department. They never answer my calls. When I contacted the actual XXXX site the message, no one answers, they give instructions to contact my bank, Bank of America. As I said the fraud department does not answer my calls. I did not authorize the XXXX payments that were sent with XXXX but they sent anyway. I have other information that I can give you that might help in investigation.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

After applying for business credit with American Express in XX/XX/XXXX  American Express gave me 2 business credit cards with 10,000 balances. They then went back and lowered my personal Amex card from 10,000 to 1,000 which is a drastic and unfair decrease and in return also caused my utilization to go up and my credit score to drop.
Consumer complaint received 2021-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I got a loan for XXXX. Now they keep calling harassing me for XXXX XXXX I juts got evicted because I couldnt pay rent, How can I pay a loan triple what I borrowed
Consumer complaint received 2018-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (LA)

Every time I reach out to the company ( Loancare ) in regards to my loss mitigation application I am told something different. Ive never received correspondence about my case and when I call the company no one seems to be able to help me or have any information about it. I was told my case workers name is XXXX XXXX be shenever answers when Im transferred to her nor does she returns my calls. Ive been told that I was in a trial payment plan for four months and was forced to make a payment of {$1000.00} and some cents without agreeing to any of it only to call again and be told that no Im not on any trail payments and that they must have been in the wrong persons file!!!! My regular mortgage payment is 1200 plus dollars so the XXXX payment then was moved to so other account not being applied to my monthly payment and now Im considered to be be late due to their confusion. Even when I visit their site it shows that there is a 1st trail payment that they are trying to tell me that they never had me pay. Their site does not allow you to pay less than your monthly balance do this wouldnt have happened unless they arranged it that way. Somewhere along the way there is a lack of communication within this company that my mortgage was unfortunately sold to.
Consumer complaint received 2018-12-15
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: NAVY FEDERAL CREDIT UNION (AL)

XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (GA)

My rights un

der FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Experian did, t provide
the requested method of verification for the below items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also below inquiries XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXXXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX Also XXXX XXXX XXXX is reporting 2 late payments