davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IN)

I recently found out that my name was attached and associated with 3 consumer reporting agencies, Early Warning, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and  never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

My account has a penalty APR of 29.24 % on it. I have contacted customer service about this fee but I was just told that I have a penalty APR due to a late payment. My account was on COVID-19 related payment assistance, so I do not think that I missed any payments. I tried to find where I had a missed payment and could not find it. I am not sure why a penalty APR would be applied to my account since it was in payment relief. 

Additionally, on XX/XX/2020, I was charged a {$29.00} returned payment fee. This amount was taken out of my checking account and applied to my credit card but I still have this returned payment fee.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NH)

A credit card was order using my information as fraud which resulted in a hard inquiry on my credit report. All three of my credit files had and currently still has a freeze on them so a credit card shouldn't have been able to be ordered.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (AL)

Someone on XX/XX/2023 attempted to open two different credit cards using all of my information. The cards were with XXXX XXXX XXXX and Barclays ( XXXX XXXX ). Which resulted in two hard hits on my credit. I have been unable to speak with anyone with XXXX  XXXX XXXX and Barclays was only able to provide that the application were done online. I have put a freeze on my credit. I am making a report with my local police department. I want to have this investigated for future issues.
Consumer complaint received 2022-04-28
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. (TX)

The Credit Bureaus stated XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-08-16
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. (CT)

I Recently I looked at a copy of my credit report and noticed so many inaccurate information being reported. I feel these inaccurate information WITH REGARDS TO MY NAME ON MY CONSUMER CREDIT PROFILE AND THIS IS adversely affecting my credit report and costing me thousands of dollars in interest every year. I requested an investigation into the inaccurate information on my credit report by writing a letter to XXXX. it has been over 60 days since i requested for an investigation and a deletion of this inaccurate information but equifax has refused to respond to me and continue to violate my rights under the FRCA guidelines. 

THIS ADDRESS IS INACCURATE. IT IS NOT MY PRESENT ADDRESS NOR IS IT MY PREVIOUS ADDRESS. DELETE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTACHED IS MY MOTOR INSURANCE CARD WITH MY PRESENT ADDRESS ON IT. 
NOTE : PRESENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX CT XXXX
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Experian has been a nightmare experience I wish people, in general, did not have to deal with them at all. The first issue is the " credit boost '' feature. At first, it does work as advertised but after a while it stops working, they made it difficult to update or add bills to the boost feature that hardly ever worked. If you don't update your bills in a timely manner you have to start all over again, I tried to reach customer service numerous times and they were no help they didn't listen to the issues that were stated and or I would receive automated replies that had nothing to do with trying to add utility bills to boost my credit score. The other issue with the boost feature and what they don't tell you is, in the long run, it negatively harms your credit, once you put in your information everything is opened up and falsely indicated that I was late on my bills when I was current. I found this out when I spoke to a Banking lender trying to get a house loan and Experian XXXX XXXX XXXX' as she mentioned is not a legit nor a good way to boost your credit it may temporarily boost it but it does more harm than good. I stopped using XXXX  months ago last year ( 2020 XXXX and Experian is just now removing all the accounts that I added although I haven't used XXXXt in well over a year. I highly recommend not get the XXXX feature it is misleading. 

And finally, my overall experience with Experian is what I like to call bait and switch Experian is the only credit bureau that drops my credit score by XXXX points, then adds XXXX points all in the same day. I keep my credit cards below 10 % utilization, I only have one loan on file that is almost paid off and has been paid off on time for the past four years. It's an XXXX loan. I understand that if I don't pay my credit cards down or use them to the XXXX that impacts my score. The issue is Experian consistently manipulates my credit scores without cause. What doesn't make sense is that if you make your payments on time, and do everything you're supposed to but your credit score could be dropped at any time for no reason is not right. Experian keeps dropping my scores without good reason and it's hurting my chances of getting a house loan and I'm tired of being under the mercy of credit Bureaus that are able to manipulate your scores at any given time and they need to be investigated. I can offer to allow access to my Experian account if need be.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MA)

I sent this company a letter dated XX/XX/2018. Pursuant to the FCRA and FDCPA, I requested this company to provide me validation documents and listed everything that is required for this alleged debt to be validated I asked for the following information from them : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Debt collector license number in my state. 

In return I received a letter from them ( see attached ) that did NOT include any of the asked for information and billing statements saying this debt is valid. 

That is NOT validation. I would like them to remove this collection from all three credit reports because I do not owe this debt.
Consumer complaint received 2020-05-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX  has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with USAA, the company in which the cards were issued from. USAA has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and XXXX  still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from USAA.
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I have a complaint already with you # XXXX. LoanDepot The company processed my XXXX 2017 payment under the wrong account. I have called the company four times and explained to customer service that they credited the wrong account. They have not yet fixed the problem. 
I can not make XXXX 's payment until they fix this error. No one is helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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: DISCOVER BANK (OH)

I recently check my credit report and found out there is charge off from XXXX XXXX, Discover Bank and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. 
Please remove these items from my report
Consumer complaint received 2022-04-28
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. (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1996 Last 4 of SSN : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

THE LAST 5 MONTHS HAVE BEEN A NIGHTMARE. MY LOAN HAS BEEN TRANSFERRED SERVICING IN THE MIDDLE OF MY LOAN BEING REVIEWED AS TO WHY I AM BEING FORECLOSED ON. I HAVE NO IDEA AS TO WHY I AM BEING FORECLOSED ON. I HAVE ASKED FOR A PAYOFF DEMAND SO I MAY SEE WHAT IS IT THAT I SUPPOSEDLY OWE AND AM YET TO RECEIVE ONE. I WAS JUST INFORMED MY LOAN WENT PHH REVERSE MORTGAGE TO XXXX AND NOW XXXX  TELLS ME THE LOAN WAS TRANSFERRED TO PHH REVERSE MORTGAGE. I HAVE BEEN TRYING TO SETTLE THIS MATTER BUT BECAUSE I AM ELDERLY THESE PEOPLE ARE TAKING ADVANTAGE OF ME AND TRANSFERRING MY LOAN FROM ONE PERSON TO THE NEXT WITHOUT RESOLVING MY MATTER.
Consumer complaint received 2019-03-13
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: EQUIFAX, INC. (MD)

credit company ( Equifax ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name XXXX XXXX XXXX  date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (TX)

on date .XXXX ... some call tell my that if i send {$200.00} they send certain amount of money and ibuy a gift card google play and i send them..hes.fhone call he calls for 3 diferents numbers. ; XXXX -- -XXXX -- -- XXXX -- ihope get my money back because im unemploy and i need my refund..tnkyou
Consumer complaint received 2018-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (KS)

XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). 
My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX  Payment, and Rise Confirmation of XX/XX/XXXX Payment ).

On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on  XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. 
As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

On XX/XX/2023 I received an email stating that someone had tried to buy {$1200.00} of bitcoin through my PayPal account. The email included a phone number to call if I had not made the purchase. I called the number and the male I spoke with told me that he did work at PayPal. During the conversation I stupidly allowed him access to remotely sign onto my XXXX. He said to Venmo him {$400.00} which he would refuse to accept to fix my issue. I stupidly did that. He later asked to to use XXXX to send money so I hung up. When I realized that the {$400.00} Venmo had not been cancelled as he assured me it would I called my bank and put a stop payment on it. Venmo has emailed me several times and froze my account trying to get me to release the {$400.00}. They even contacted my bank which refused to release the money. I called and spoke with customer service at Venmo twice and emailed them twice explaining the scam but that did no good. They will not allow XXXX to close my account and keep emailing me That I owe them the money. My granddaughter tried to send me {$4.00} and Venmo kept that money and said I now owe them {$390.00}. Im only out {$35.00} ( the money I paid to stop payment and the money my granddaughter sent me ) but I want that off my record snd want to collide my Venmo account. Ive asked them to stop harassing g me and have not received another email for several days but my account remains frozen with a debt. I dont know if this can be held against me through any credit agencies but feel it should not. Is there anything that can be done so I can close my Venmo account and stop them from keeping any money meant for me?
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

The paypal company limited my account for a period of 180 days, from XX/XX/2020, until today I have waited exactly 282 days without recovering my money ( XXXX US ), this has been unfair on their part, they did not give me response in the agreed time, I need your help and understanding to recover my funds and transfer to my bank account or my debit card.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credence Resource Management, LLC (IL)

Reported by : Credence resource Management Creditor contact : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account Type : Collection Agency Balance Amount : {$480.00} Date : XX/XX/2021 This agency Credence Resource management is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking account with Chase Bank on on or before XX/XX/XXXX where I transacted a couple of times. I received a letter dated XX/XX/XXXX stating that my account could no the opened due to my credit score. I question the motive behind the closure of my account since I had already received in the mail a welcome letter which included my debit card. I'm in the XXXX XXXX for 28 years and do believe that banking institutions have regulations you are here to uphold as e do in the XXXX XXXX XXXX. Why would they open my account which I asume all relevant due diligence was conducted during my application process, a credit report take s 2-5 minutes to run by man hands, in the event they uses and automated process takes seconds. I question the moraine when Chase bank sends me a letter dates XX/XX/XXXX in response to my complaint call on the XX/XX/XXXX same month. The letter states " The agreement between us either you or us may close the account for no reason. later in the letter they state we are not required to give you a reason for the decision to close your account. when you state originally that the reason for the closure of my account was my fico score which you could have known or did know at the point of my application, why then wait till I used the account, close dry XXXX XXXX XXXX account to leave me with our my money or account. I believe this requires further investigation in your part. I will respect your funding positive or negative.