davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (PA)

in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called CREDIT CONTROL LLC. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking $ XXXXon the XXXX of each month i made 3 payments then i get this letter from XXXX XXXX XXXX who says i owe {$1800.00} i have disputed this many times sent the documents
Consumer complaint received 2017-08-07
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: EQUIFAX, INC. (OH)

I have incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC (CA)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-01-31
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

on XX/XX/XXXX I contact td bank to get them to reopen my account and they refused the checks I have made cleared my finest account as a revels instead of it being a nsf I wrote XXXX check XXXX for XXXX and XXXX for XXXX all of which was paid I even emailed the bank telling and sent them proof the checks clead give me a XXXX credit
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

i was XXXX XXXX a year ago from work and home XXXX last year. i am unable to make monthly payment with pennymac and seeking search for a buyer to buy the home for less than i currently owe pennymac in a short sale however all requests are being rejected for review. I submitted a borrower assistance package last month requesting a short sale review and no response. It has been really difficult for me and my family and i am trying to resolve the debt i owe by selling the home and not have foreclosure on my record.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2020-10-21
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

I had a discover account and a credit card for that account that was enrolled in auto pay for several years. At some point, my credit card was stolen and after reporting I was sent a new credit card. I did not use this card for a few years until I was asked to either use the card or the account would be closed. Consumers should not be forced to use a card. 
However, I used the card to make purchase and months later I received an alert on my credit monitoring service that my account was delinquent. 

On contacting the customer service dept about why my card did not auto pay the amount, they mentioned that discover uses the same number for credit card and account number ( an internal detail ) and that changing a credit card number changes the account number and therefore the auto pay setting was turned off. I received no email, no text message, no phone call notifying me that my account was past due. When I talked to the agent she asked me to check my statement and my statement showed due date in the future and no indication of having missed a payment. She then walked me through the previous balance and interest charged and then mentioned because you have previous balance your account should be considered due ( Note that accounts can have previous balance even if you make minimum payments and this is not an accurate method to say the account is past due ). Totally horrible customer experience and discover was not willing to acknowledge that they are at fault. 

Internal details of a company and how their cards or security work shouldn't impact the end client and their financial future.
Consumer complaint received 2017-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (VA)

I went to finance a puppy for my family. I have fairly good credit and I bought this dog to surprise my children and wife. The pet store recommended a financing company they said was great to use. I applied and was approved, and they said my interest rate was low due to my good credit. I signed the paperwork digitally, and this filled my signature in all over a document and that was where the nightmare began. They sent me a copy of the contract and it said I LEASED this dog and I did n't own it unless I pay it off early in a lump sum of XXXX, or I make 24 payments of {$170.00} and then a final payment of {$260.00} to own the animal ( roughly. ) In the pet store I paid {$170.00} which did n't go towards my financing. <P/>I was told it was a LOAN and that I would own this animal. After looking up the financing companies this pet store recommended to me, I saw that they are all part of one big company called Monterey Financial. All in all after all the payments are said and done I 'll have paid somewhere around {$4300.00}.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

A credit card was taken out for XXXX that was closed out in XXXX with a balance of XXXX dollars that is in collections with portfolio recovery. 
Another XXXX credit card was closed out in XXXX with a balance of XXXX dollars that is in collections with XXXX XXXX XXXX. 
My name was used for XXXX XXXX XXXX mobile service that is in collections with XXXX in the amount of XXXX dollars. I believe the activity on this was in XXXX.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NH)

Santander claims that there were late payments for 3 months. No payments were ever made late. Santander corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and Santander with no change. Santander has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report fromXX/XX/XXXX XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX XX/XX/XXXX DISCHARGED XXXX
Consumer complaint received 2020-05-05
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report from XXXX   XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX   XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Leviton Law Firm, Ltd. (NV)

I paid my worker 's comp Insurance for an outstanding balance on in the middle of XX/XX/XXXX as soon as they let me know it was due to settle the account and these guys still sent me letters and were incredibly rude on the phone and accused me of not making the payment even after proof was sent. In addition, after I directly asked if they had any relation to a previous collection firm ( something XXXX ) which I had already dealt with to close this issue out, that this was sent to I was told, no. After continuing to talk to them he admitted they did. They are very deceitful and should not be allowed to do debt collection if they can not be honest about what they say and do and confirm with the company that the debt was originally with is actually owed money, to begin with.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (GA)

On XX/XX/XXXX at approximately XXXX XXXX. I called Aspire Credit to report my card was stolen and that charges totaling {$330.00} was not authorized by me. I asked that the card be shut down. At XXXX. I filed a report with the police that my purse was stolen and obtained a case # I was told by a rep I needed to send in an Affidavit of fraud but it had to be mailed to me. I asked if it could be emailed, I was told no. On XX/XX/XXXX I got a notification that more charges were charged to the account. I called Aspire and the rep stated that I called in for a increase of credit? I advised I did not and that this account was reported stolen XX/XX/XXXX and I was waiting for the affidavit, why where there additional charges allowed on the acct? The rep did not have an answer, said that when I called on XX/XX/XXXX, that I was inquiring about balance?? Untrue. I found that {$220.00} was additionally charged to the card. I spoke to XXXX representative XXXX in the fraud dept. on XX/XX/XXXX. and asked about the affidavit and he said he could email it. I received it within minutes. I sent it back immediately. On XX/XX/XXXX I got notification of activity on the account and called in. The rep said the balance was XXXX. I advised that is impossible. They said I made a payment thru the IVR on XX/XX/XXXX for {$850.00} via check. I told them I did not make that payment. I asked why would I pay on charges I did not authorize? I then asked for a secret question be asked before giving out any info on this acct. XX/XX/XXXX the payment was reversed NSF and the rep told me that I am responsible that charge of {$29.00}??? I have since closed this card I have been checking on this account weekly and there has been no progress on the investigation and they never ask me the security question on my account. The balance is now over the limit. I have made a payment of {$120.00} XX/XX/XXXX on my portion of the account, which was {$500.00}. I feel that with everything that they asked of me and I have complied that enough time has passed to identify that I DID NOT make those charges and the account should be resolved with me only owing {$370.00}.
Consumer complaint received 2020-11-18
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. (CA)

I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2017-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revenue Assurance Professionals LLC (TN)

XXXX XXXX XXXX Is the worst Company ever!! Not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and I have already filed a complaint with HIPPA regarding there ILLEGAL ACTIONS that are affecting Hard working citizens everywhere such as myself.They are violating HIPAA Privacy laws and I will be seeing them in small claims court!
Consumer complaint received 2020-11-18
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: DISCOVER BANK (OH)

Our boss sent an email ( it was actually a scammer who hacked into her email ) and asked to get 3 gift cards and call and give the numbers to her client who was waiting. She was unable to do it herself at the moment because she was involved in a conference call. She said she would reimburse the cost. She needed 3 separate {$200.00} gift cards. we used our Discover card for two {$200.00} cards. Discover called to ask if we made that purchase which we did. Later that afternoon our boss notified all employees that she had been hacked and to not respond. Unfortunately, several people in the company had already responded. 

We do have a Police report. The purchase was made at XXXX using our Discover card. We talked to Discover and they basically said sorry you made the purchase but had your card been stolen ... so because we are honest and not lying about a stolen card we do not get refunded the money. Discover has numerous farad/theft protection safeguards in place. They have huge buying power and influence. They could dispute charges with XXXX. I feel they have numerous more avenues of recovery than the average consumer. Providing a Police report should be enough to gain some or all restitution. They basically said there was nothing they could do.
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom it may concern, I have excellent credit it was XXXX with Transunion. I recently charged a vacation for {$5100.00} and my credit used went from 2 % to 7 % and my credit dropped 22 points. I called them to ask as my 7 % of credit used is excellent. The charge was made on Monday XX/XX/26 and I plan to pay off the credit card to today. I have not had the debt for a week and they drop my credit 22 pts. I think this is wrong. When I pay the card off my credit will not likely go pack up to where it was.

I really think the government need to look into these bureau 's and see how their algorithm works. It is not fair to consumers. My Credit rating with XXXX  is still at XXXX. Thi

s is a 40 pt discrepancy which is a red flag between bureau 's in my opinion. I want to know how the calculate and why the impact on a charge that I pay off after a week is so much. This effects a lot of people and it is not right. They should be able to explain why it dropped so much because in my situation all my payments are on time and everything is excellent and good standing. The expectation of Americans is that you protect consumers. Based on this issue millions of people can be affected and forced to pay higher interest rates who don't have as high of credit scores. I understand that some people have bad credit and they should have impact but I and others have good credit, pay off balances should not be impacted 20 pts on one charge that is paid off in a week. I would like to have some type of response that you are looking into this because its wrong to have such a dramatic impact on one charge that uses barely any of my available credit.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.