davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwestern Health Management INC (MO)

Recently I was contacted by NFS regarding a collection account. I had no idea that I had not one but several accounts owed. I did not receive a notice stating the debt was placed for collections and after requesting validation of the debt have not received anything. Yesterday evening, my husband noticed something added to his credit. This office has listed my debt as a " joint '' account. Missouri is not a marital obligation state but they have ignored this and using tactics to collect that is appalling. I have contacted the AG of Missouri and will be contacting attorneys to decide what our next steps should be.

My husband has been garnished ~ {$8000.00} in the past 5 years with them refusing to validate the debt. We are told, " That time has passed ''. I'm assuming that they have added these as " joint '' accounts so they can go after his wages, again. I have always carried my own medical insurance and not once has my husband signed any type of agreement for responsibility for my medical debt.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I had made an overpayment of {$2200.00} on my credit card account that ends in XXXX. I requested the overpayment to be sent to me which the rep assured me she processed. A week later when I still didnt get my refund check I called them again. After being routed to several persons they told me that they refunded the payment to my bank. They told me to wait several more days. Now 2 weeks later I still dont have my refund and upon calling them, they told me that they cant provide me any tracking information and for me to check with my bank since they sent it back. My bank doesnt have it and now Im short {$2200.00} which I desperately need it to pay back another bill.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (CA)

I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XXXX
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

I filed several disputes with a company called XXXX where my card information was stolen from a phishing link. And charged multiple times. I was approved on several transactions by key bank and receive my money back. For the last bit of the transactions I was denied because theyre claiming I had to be there in person it seems the caseworker did not review the previous cases and saw that the company is in fact not a physical company but an online cryptocurrency company so in fact it is impossible for me to be present when the transaction is there it can be done electronically online since my information was stored to the website including card info. 

I am out over {$14000.00} in these transactions I want my money back immediately as the caseworker seems not to be able to do their job right and pay attention to what the previous cases which are exactly like this one which were approved. 

This is why Im making this complaint thank you As you can see in the documents below all other cases were approved but these were denied for a completely wrong reason and I expected to be overturns swiftly
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (HI)

Financial Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Claims that I owe {$3500.00} since XX/XX/XXXX. Now, they say I owe {$5100.00}. This exaggerated accrual of interest is highly illegal. Also, I sent a confirmation letter on XX/XX/XXXX and they have yet to reply. In accordance to, Fair Credit Reporting Act ( FCRA ), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate. However, despite my efforts, this illegal account remains on my credit reports. I have the letter and USPS certified mail stub as evidence.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (HI)

Equifax is reporting a credit inquiry on my account This is a request to remove the following inquiries that were made without my expressed permission. XXXX XX/XX/2021
Consumer complaint received 2021-05-01
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)

XXXX ( and XXXX company debt was transferred to ) has not verified this debt despite my many requests for them to do so. I acknowledge opening this account. However I was a victim of credit card theft and identity theft when I was living overseas in XXXX. The FTC Identity Theft report was forwarded to these companies as well as XXXX, experian and XXXX back in XX/XX/XXXX. I also requested statements to show proof of debt ( verification of debt ) in XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX -- all non-responsive. Non responsiveness to the XX/XX/XXXX ( more than 45 days ) is a violation of the US Fair Credit Act, and should have resulted in this adverse reporting being deleted from all credit bureau reports. To date, I have not received a response AND it has not been deleted. I have filed dispute with all credit bureaus and the item remain. This is a violation of my rights.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My daughter has been receiving emails from a debt company called LVNV Funding LLC. They keep sending her notices of a debt owed by someone who used my social security. I have never taken out a credit card with XXXX XXXX XXXX. Also, the name that was used to cause the fraud is incorrect and the zip code. I'm not sure how this fraud happened, but the collection company keeps sending my daughter notices of this debt to her email. I don't know anything else about this debt, but my daughter emailed XXXXVNV Funding to dispute the debt. Please help me since I did not cause this debt.
Consumer complaint received 2023-01-29
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. (PA)

Transunion Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

I have fell behind on my car note the last few months after being diagnosed with XXXX and being XXXX  for almost 2 months. I have spoken with the finance company Santander Consumer because my car note is due on the 1st of the month and I absolutely cant make my payments on the 1st I have begged and pleaded with them to change my car note until the middle of the month but they constantly refuses and I will forever be behind on my car note. The interest rates are so high and I owe more on the car than its worth Im stuck in a situation and they will not offer any help they offered me a few extensions while I was XXXX  but thats it. I never received any information about the settlement when they were sued I shouldve received my title to my car because i qualified but I was over looked. I currently owe {$19000.00} on a XXXX  XXXX XXXX and my payments are {$470.00} a month they are getting over on a lot of people with the tactics they are doing. Ive spoken with managers and they still will not offer me any help with this car loan that Im stuck in. I have had this vehicle for almost 2yrs and if the give you and extension they add so many fees and high rates that you have to pay back Im just a huge lost right here with Santander Consumer
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

They close my account. So i thought my account was close. But i still had balance. Which i have not received bill information on my account. So they put me later on my credit report. My account is current. Try call have them take it of my credit report. But they gave me the run around. Comenity Bank/XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

Paid a merchant {$3900.00} XX/XX/XXXX with Paypal Credit through Paypal invoice. Merchant destroyed my property consisting of two Custom made saddles. The lockdowns delayed my getting anything done to have my saddles looked at by a XXXX XXXX Maker until this past spring. In the meantime, the merchant refused to refund my money. I opened a dispute to get my money back from the credit card company XX/XX/XXXX. I traveled out of town to take both of my destroyed items to the XXXX XXXX maker in XXXX of XXXX to see if they could be fixed. He uncovered the damage to them. They are both unusable and were actually made dangerous. 
First dispute was denied. Their reasoning was that the merchant did what he was supposed to do. The supervisor told me to get the XXXX XXXX statement pointing out the damage as expert statements would back up my case. The dispute was reopened in XXXX. I can not find the exact date. 
I had provided every email to Paypal Credit. I provided photographs before and after of both saddes. I provided the expert statement on how the merchant ruined my saddles. I also provided a second expert statement that goes above and beyond what they requested. 
I have still been denied my refund. Paypal says that it was denied because the merchant does not have the items. No one ever told me that I had to send them back. I left them both at the XXXX XXXX  as they are no longer usable. Now I am out both items and my money that was sent through Paypal.

Paypal does not stand behind the buyer even when they provide every single piece of information that was requested. Paypal would tell me that they would send me hard copy letters in the mail with any findings. They never did. They never kept in contact with me. I would call and get the run around. No one ever gave answers to my questions as to whether or not they needed any more information. I spent three months jumping through hoops for Paypal only to be denied.
Consumer complaint received 2023-04-01
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. (TX)

I am resubmitting my complaint to you through the CFPB regarding the presence of fraudulent items on my credit file. This is the twelfth time that I have attempted to dispute these inaccurate entries, and I am becoming increasingly disappointed and frustrated with the lack of progress that has been made thus far. Despite my diligent efforts to rectify this situation, it appears that my concerns are not being taken seriously. It is important to note that, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any fraudulent or inaccurate items on my credit file. According to Section 605n of the FCRA, credit bureaus are required to promptly remove any information that is found to be incorrect or can not be verified. Despite providing extensive evidence and documentation, these fraudulent items remain on my credit file. I am requesting that you remove hte following items immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX The presence of these inaccurate entries has had a detrimental impact on my credit score, creditworthiness, and overall financial well-being. This is unacceptable, particularly as I have worked diligently to maintain a positive credit history. I should not be penalized for something that was not my fault.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

DELETE I received notifications from Experian that I have negative items damaging my credit score. Identify theft was reported to Internal Revenue Service, Federal Trade Commission. I was told to have a police report with all negative finding involved with identity theft to continue process. ( 1 ) Account name : XXXX XXXX XXXX XXXX Account number XXXX. 
( 2 ) Account name : XXXX XXXX Account numberXXXX, I will like to get these 2 negative items on Experian off my credit report due to it being identity theft. XXXX16 CFR Part 681XXXX15 U.S. Code 1681XXXXCalifornia Civil Code 1785.16 ( k ). [ Preempted by H.R. 2622, 205, FCRA 605 ( i ), 15 U.S.C. 1681c ( i ), and by renewal of 15 U.S.C. 1681t ( b ) ( 1 ) ( E ) DELETE
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : CAPITAL ONE BANK  USA N Account Number : XXXX Amount Owed : {$500.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : XXXX XXXX   XXXX   XXXX XXXX  Account Number : XXXX Amount Owed : {$110.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$180.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$190.00}
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (NV)

I contacted Ally Financial and inquired about about a {$32.00} late fee they had charged me being XXXX year old XXXX veteran Im on a set income I never have missed a payment I had all my payment receipts so they corrected the mistake and took off the late fee. 

But asking what my balance was I was told by the representative that at 10.35 percent interest fee what my balance was And thats where the next problem Begins because on my contract it says 10.34 percent Not 10.35 interest I told him according to my contract it should be 10.34 percent he gave me the number to the Contract Revision Department So on XXXX XXXX @ XXXX Wednesday I called the Contract Revision Department and they would not correct the problem saying theres nothing they can do so I asked the guy you mean to tell me that although I have a contract that I signed in front of me at the interest rate of 10.34 % which is the rate I accepted this automobile loan for that you guys can raise the interest 1 % and say its on me this is outrageous you people are ripping off me off as a XXXX veteran and a tax payer of this country.
Consumer complaint received 2020-07-17
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. (MS)

In the past, I have disputed debt from XXXX XXXX/XXXX XXXX XXXX since XX/XX/2020 because I did not owe it. the account was closed on XX/XX/2020 and my credit score went down 17 points. when it should have up 100 points. This complaint is against the Experian bureau, XXXX XXXX XXXX, XXXX, TX. XXXX.
Consumer complaint received 2021-09-23
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. (NJ)

Credit report agencies are reporting different information about an account on my credit report. They are reporting different " last reporting dates " and after the account shows that it had been charge off one of the agencies is still reporting OK Payments after 2 years that the account had been Charge Off..
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, TransUnion or XXXX.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (CA)

I signed as a Guarantor on a lease agreement for my Nephews apartment on XX/XX/XXXX. My nephew was served eviction paper work through a process server on XX/XX/XXXX. My nephew hired a lawyer on XX/XX/XXXX. The case was settled due to a breach of contract on the plaintiffs end. They dismissed and forgave any past due rent and paid my nephew {$4000.00} to move out on XXXX XXXX. forfeiting his {$2000.00} deposit for any damages. On or around XXXX, XXXX I started receiving collection attempts on the past due rent/damages. On or around XXXX, XXXX this false/invalid/dismissed debt collection of {$14000.00} was reported on my credit history.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (MI)

On XX/XX/XXXX, at approximately XXXX I pulled up to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Michigan and requested XXXX to be dispensed to me. Transaction was approved, card was returned :, but machine did NOT disburse a recept or any funds. The ATM screen read Unable to disburse funds at this time. I immediately contacted my bank Chime to inform them. I was ensured by a customer service representative that the problem would resolve itself, I just had to wait until it didn't say pending, it said settled. And when it did say settle call Chime back and they could speed up the process. Oh I also contacted XXXXXXXX XXXX  customer service department and they were very rude because I'm not their customer and basically told me it all fell on my bank and it would resolve itself. I requested if a technician could meet me at the ATM to give me proper information proving my money wasn't dispensed. But was denied that option. I called Chime back and they made me do a formal dispute. They denied my dispute within 3 hours, which is shocking because had they did a thorough investigation and requested information from XXXX they would know my money was not dispensed. Once I saw my claim had been denied I called Chime back and requested an appeal because I'm not just going to let people take my money. The customer service representative said she requested an appeal for me and Also a rebuttal. I asked her to ask the investor to contact XXXX XXXX. Please help me. This is unfair.thank you and have a blessed day.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Dear Experian, There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX XXXX XXXX