davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

U.S. Collections West has attempted to say I owe them {$1900.00} after receiving a letter dated XX/XX/2020. I received a prior letter dated XX/XX/2020 stating I owed {$1300.00}. I have attempted again multiple times to contact any representative from this company with no response. I have recieved a signed copy of " satisfaction of judgment '' from XXXX County Justice Court dated XX/XX/2020. This information was sent via email to the company with which no response was received. This company 's multiple attempts to say money is owed when it is not is clearly a violation of the law and shows the clear fraudulent behavior this company and its owner XXXX XXXX are willing to participate in.
Consumer complaint received 2021-06-08
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. (NJ)

Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!
Consumer complaint received 2021-06-08
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: RateGenius Loan Services Inc (NY)

on XX/XX/2021 I logged into my XXXX XXXX account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from Rate Genius. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on XXXX XXXX. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.
Consumer complaint received 2018-10-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (LA)

Reapted phone calls even after we made an agreement. Sent email and changed agreement. Everyday since XX/XX/2018 until XX/XX/2018. 3 to 4 calls a day. Threatening call and garnished my wages. Gc services agreed with me on one monthly payment and 2 days later changed it something else. They want me to make monthly payments and garnish my wages.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

I got a flex loan with XXXX XXXX. The balance is now around {$4600.00} with an interest rate of 279.50 %. The payments are $ XXXX/month and I can not afford that. 

I have called the company and asked about lowering the interest rate, so that I can make affordable payments. They refused to lower the interest rate. I'm not trying to get out of paying the principal back, but I see no hope in even trying with such a high interest rate. 

I have learned my lesson. I will never do this again. We could work this out, if they will just be reasonable.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Rosebud Economic Development Corporation (WA)

XXXX is not licensed to practice business in the state Washington. Illegal loan interests ( approx 700 % ). I had two loans. 1st {$500.00} and 2nd {$300.00}. I was looking to have my 1st loan with intetest and principal amount refunded because loan was fradulent. I requested {$1500.00}. I contacted the XXXX XXXX loan manager via email several occasions. Beginning XX/XX/XXXX through XX/XX/XXXX. XXXX only refunded {$51.00} from the second loan and paid the loan in full.
Consumer complaint received 2022-04-30
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. (FL)

In accordance with the Fair Credit Reporting act my rights have been violated. 

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 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 I have late payments listed on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Good morning, I have an account with Nissan Motor A which I have never been late until this month, the reason I am the co-signer of a leased car, the owner has been injured also this company never called mentioning that a payment didnt go trough on the correct date therefore, the owner made the payment online and never wen trough but on the web page say it did, so they never reported that the payment didnt go  trough never received calls until this Saturday the XXXX which was already 30 days late and got reported to the credit bureau and got damaged, so on Saturday since they finally called i made the payment and And told me to call Monday to get removed the report that it shouldnt be an issue since I paid on Saturday but got no luck they told me they wont do it cause its not their faul when it is
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im writing to delete the following information on my file. The items i ask to be deleted are listed in the report. I am a victim of identity theft & did not make the charge. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I can not access my equifax credit report! It states theres a block for promotional purpose! 

I can not access my XXXX report, its stating theres am open dispute. 

XXXX has a bunch of inaccurate information on my report!
Consumer complaint received 2018-02-09
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. (CA)

There are inquiries on my credit report that are not mine or authorized by me, as law requires. 

I called Transunion and requested they correct the issue and was told they can not help. 

The inquiries specifically are : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please help me correct this issues and force Transunion to appropriately work with clients.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reports a closed account to all 3 consumer credit agencies as a charge off on my credit report even though they collected full balance payment from me on XX/XX/XXXX. 

I've requested they change the charge off status and report it accurately as paid but they insist on keeping the reported status of charge off because it's how it was initially reported. They said the fact they collected full payment after their initial reporting doesn't matter because it came after the original reporting. 

I believe this is inaccurate reporting of key facts and they maintain that status to persecute me for past missteps. It has been 3 years since final payment was made and in that time I've been denied credit from numerous creditors as a result of this reporting status. They're intentionally causing me financial harm.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use XXXX and put my case number in the note on the XXXX payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my Citibank checking account and was paid recently. 

Called Citibank to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for XXXX  XXXX billing. 

Citbank said they would investigate, but shouldn't XXXX be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. XXXX should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own XXXX are abetting criminals.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America sent me card on XX/XX/2023 which I never applied for I was sent a alert from XXXX XXXX asking if I opened account and disputed this account. I contacted Bank of America on XXXX XXXX and they closed account XXXX XXXX notified me on XXXX and they reported to all credit reporting agencies using XXXX XXXX as their agent to contact other credit reporting agents.XXXX XXXX told me to report to you thank you for your assistance
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Celebrity Financial, Inc. (CA)

Please note that the category of complaint that I selected is not ideal, but no other option is better. 

I have not received my year end tax statements such as 1098 and 1099-INT from my original mortgage lender, Celebrity Home Loans. 

As a result, I am unable to complete my XXXX tax returns. 

My mortgage loan agent said that the lender has suddenly gone out of business and that no one is available to provide me with the tax statements. 

My loan was sold to another mortgage lender, XXXX XXXXXXXX XXXX in late XXXX, but XXXX XXXXXXXX XXXX did not start servicing my loan until XXXX, so they said that they can not provide me with any tax statements for XXXX. 

Can you please help me with this?
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (AL)

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, XXXX, and Experian. 

I have asked XXXX, XXXX, and Experian whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, XXXX, and Experian. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act convergent account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right 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 consent.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX. I write in reference to my American Express serve card. Ive used it for years without incident. My salary is loaded onto the card, XXXX $ after taxes every two weeks. My card was on me in NJ when I received texts about decline fees. 
I checked my account and XXXX $ had been taken moments earlier at a cash machine in XXXX. My card was skimmed at the XXXX store that has no fees to withdraw. I filed a fraud complaint certain serve would credit my account for the money stolen from me. They denied my claim and claimed no evidence of fraud. I researched the company and found many similar stories. Serve is not investigating the claims fairly. They are allowing my money to be stolen. Please help
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC (MA)

Higher interest rates than any loan, paid {$1100.00} in interest for a {$300.00} loan. Took {$88.00} from my account every other week from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2024-03-23
Product: Credit 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: CITIBANK, N.A. (NJ)

I ordered a bike at XXXX on XX/XX/2024. XX/XX/XXXX they responded " Your order is on ithe way ''. On XX/XX/XXXX, I asked via email ( XXXX ) " Do you have a tracking number ''. No response from XXXX until XX/XX/XXXX were they replied they were apologizing for the delay and that my item ( bicycle ) had been dispatched to their courier. On XX/XX/XXXX, I responded to XXXX, " Hmmm. No tracking yet. '' On XX/XX/XXXX, I emailed XXXX  again, " So still no tracking number. It's looking like there never will be a tracking number. So unless I get it by today or at least the name of a courier, I will be calling my credit card company and dispute this charge ( Citi ). No response from XXXX. On XX/XX/XXXX, I emailed XXXX let them know that I notified Citi since XXXX  refused to provide the tracking number or the name of the courier. No response from XXXX. On XX/XX/XXXX I emailed XXXX, " Since nothing has changed with my order, providing a tracking number/courier name, I am canceling order # XXXX, completed on XX/XX/2024 and request my {$98.00} payment for that order to be refunded to my credit card. '' No response from XXXX. On XXXX, I emailed XXXX, " Have you initiated my return yet? Not sure what you are waiting for. It's been 17 days since I ordered the bike and nothing yet. No courier name or tracking number since it was never sent to me. '' Again, no response from XXXX. I submitted a dispute with Citi and received a response back from Citi on XX/XX/XXXX saying they are reversing the condition credit and allowed me to continue the dispute. I sent Citi all of the emails explaining everything that I stated above. They add back the conditional credit of {$98.00}. On XX/XX/XXXX, Citi sent me a letter stating that they are working with the merchant ( XXXX  ) and their bank to get a permanent credit on my account and would let me know. Today, I received a letter dated XX/XX/XXXX that the dispute has been resolved and the customer is responsible. They took the easy way out after saying they are working on getting me a permanent credit 6 days earlier. I have every email I sent XXXX  and provided to Citi. Citi said they provided the responses from XXXX  regarding this dispute but I have never received them. Also, if you go to XXXX and click on " Visit our store ''. The next page says. " Something went wrong ''. " The store is unavailable ''. XXXX is a scam.
Consumer complaint received 2021-06-01
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: Consumer Portfolio Services, Inc. (OH)

I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

Money lion is reporting a late on XX/XX/20, XX/XX/20. Due to the unforeseen events surrounding the pandemic that is Covid 19 I have been severely financially impacted. I live in California and it has been a mess. I've really been struggling to stay afloat while my employer continues to suffer because of this pandemic and therefore affecting my work hours. I have done my best to stay current and not fall behind. However, this was inevitable the entire state of California shut down. I ask that you please remove the lates from my credit file. Under the federal mandate and CARE act creditors aren't allowed to file negative notations on credit and I can see why. The hardship of going through a pandemic alone is immense, and creditors should not be adding onto the stress. I ask you remove these lates from my credit file.
Consumer complaint received 2023-01-18
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: AES/PHEAA (PA)

I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX . The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX. The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX  for servicing. 

Both XXXX XXXX and PHEAA  Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

I paid my full XXXX  comenity card balance then they closed the account after less than a month. 
Comenity provided no reason or explanation. 
I would like my account reopened because I did nothing wrong for my account to be closed abruptly with no explanation.
Consumer complaint received 2018-02-12
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: CITIBANK, N.A. (SC)

Please help. I am so frustrated that this continues to occur and XXXX indicates they can't help me. They refer me to call Citibank and Citibank tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write Citibank in SD and request deletion of the items on my credit report. I did that in XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from Citi CBNA, XXXX XXXX XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

I had a XXXX checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this