davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Been trying to get 1 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (FL)

My son, XXXX XXXX, the borrower ( I am the co-borrower ) signed up for hardship program in which he set up 3 autodrafts with a lower payment amount. After he advised me he did this, I called XXXX XXXX directly to ensure negative reporting would not occur. XXXX XXXX advised me they would not report ; The three payments were for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I reviewed the loan shortly after the XX/XX/XXXX payment was to be drafted and saw that it was not credited it to the loans I advised my son. This occurred approximately at the end of the 2nd week in XXXX. XXXX called XXXX XXXX to find out what happened - we learned XXXX XXXX had the incorrect checking account number for the draft. XXXX, who is a supervisor indicated he listened to the actual phone call and did admit XXXX XXXX made the mistake. XXXX relayed to me that XXXX went ahead and cancelled the existing set up drafts, rescheduled for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX with the correct account number. Meanwhile XXXX XXXX now reported the loan 60 days delinquent ( causing my credit score to drop by 81 points ). It was their error for incorrectly entering the checking account number. 1 ) The delinquency should not have been reported which they refuse to correct 2 ) Even if they do report at 60 days, again the loan would not have been 60 days delinquent had they entered the information correctly the first time in XX/XX/XXXX. XXXX XXXX is advising they will not correct until all three payments have been made which is not until the end of XX/XX/XXXX. 
I would like an immediate retraction of the negative reporting as their error has caused my score to drop -- at a time when I need to shop for a vehicle for my daughter. 

XXXX XXXX as a whole is a company that does not care about the individual only their bottom line. They are in the business of ruining students not helping them. Not only do they not care about the individuals who take the loans out but they are predatory and have no morals.
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (UT)

I had to go to an emergency medical care on XX/XX/XXXX and my insurance benefit was {$100.00} deductible in case of emergency. I have all of my documents showing that my insurance paid all of the payments ; they took some extra time for the payment as I claimed lately. 

Recently, " PARAMOUNT RECOVERY SYSTEMS '', a debt collector called me regarding one of the unpaid payments and I told them my insurance has already taken care of them. They charged a derogatory point on my credit score for an unpaid payment of {$1100.00}. I have contacted them via email/ phone and sent the 'Explanation of Benefits ' for that claim via email ( XXXX ) as well as postal mail ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) ; tracking information ( XXXX XXXX XXXX XXXX % XXXX ). 

Initially, they claimed that they didn't get my email, however on XX/XX/XXXX they assured the recipient of the email containing my EOB. Afterward, I emailed and called several times to their associates ( whom I talked to before XXXX and XXXX ), they didn't respond and solve the issue. 

Therefore, I would like to formally place a complaint against them as they do not solve the issue whereas the payment has already been paid on XX/XX/XXXX. For reference, I am attaching the corresponding EOB and the email communication with the debt collector.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (MO)

Loan Depot in XXXX XXXX  sold my loan to a debt collections company in Texas but did not notify me that this sale would negatively impact my credit report. I have never missed a payment or been late with a payment but the credit bureaus now have been notified that my mortgage loan has been turned over to a debt collector causing my credit score to drop XXXX points. Imagine my shock. Never delinquent, never late and my credit score goes right in the toilet anyway. What can be done?
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I made 5 separate purchases on my debit card from XXXX  over a year ago on our business atm card. Its been over a year and {$950.00} in purchases and the merchant never shipped the items or has responded. I contacted Wells Fargo to get my money back and XXXX with no success. They claim its over 120 days and they have no say. I want my {$940.00} back.
Consumer complaint received 2022-10-06
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: CITIBANK, N.A. (MI)

I have tried relentlessly to get an error taken off my credit report. Macy 's American Express will not cooperate with me. I told them I wasn't able to log in to my account so I was unaware of the {$2.00} finance charge that was assessed. I paid my card off in XXXX and had a lingering {$2.00} interest charge on my account. They never robo called me to make me aware of the balance. When speaking to customer service they told me they don't call customers for balances owed that are that low. They sent notification to the 3 credit bureaus that I was 60 days late. I've asked them to remove the delinquency and they keep telling me the investigation is closed. I have proof of my attempted log ins back in XXXX and XXXX. I keep telling them I was unable to retrieve my monthly statement. Unfortunately they keep telling me that the investigation is closed.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I have excellent credit according to XXXX  and XXXX  however Experian says I have bad credit, won't give me a copy of my credit report. I have been denied a car loan in XX/XX/2017 due to this inaccuracy. I have mailed them copies of my other 2 reports, drivers license copy and SSN.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My bank has been trying to access my trans union credit report. I have called Transunion 5 times on XX/XX/2022 to lift the freeze. XXXX XXXX says my filed is still locked. I was also advised by Transunion that the have two files for me with duplicate personal information and different TIN number. My correct TIN is XXXX not XXXX. The XXXX is my XXXX  checking number. I included a copy of check for reference.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (VA)

Apparently, XXXX sent me a notice that I owed XXXX XXXX XXXX {$520.00} on XX/XX/XXXX. At this time, my son, who is a XXXX XXXX veteran and has severe XXXX and XXXX, was going through a rough time and XXXX   XXXX because on XX/XX/XXXX he hit an XXXX  in XXXX while serving in the XXXX. On XX/XX/XXXX, he attempted XXXX, and I spent the next few weeks securing treatment for him because the XXXX XXXX XXXX XXXX had turned him away on XX/XX/XXXX. Needless to say, as a family, we have been dealing with this for years and it is unbelievably exhausting so  whether XXXX sent me this bill or not I have no idea because for the past couple of months my life has been turned upside down. I also have XXXX so that complicates matters. 

I had called XXXX XXXX XXXX a couple of months ago to setup a payment plan and unbeknownst to me, they do not automatically take all of your accounts into consideration for the payment plan so again, I thought I was doing the right thing but because I did not unequivocally state that I wanted all accounts included, I am punished. 

On XX/XX/XXXX, I noticed that XXXX had added a collections report to the credit agencies so I immediately paid XXXX XXXX XXXX {$520.00} directly. I called XXXX to see about having the collections removed from my credit report and they will not. Yes, I know I missed paying that account because I did not receive or overlooked the ONE statement they sent me but I was busy trying to keep my veteran son alive. 

I now have my house on the market and I guess I will be homeless because no mortgage company is going to touch me with the 40 point drop in my credit score. I do not understand why XXXX would not even entertain removing the collections from the credit agencies. There is no empathy or sympathy in this world anymore and especially for Military families.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONGRESS COLLECTION CORP (MI)

This is not a duplicate Congress Collections failed to follow the Notice to Cease and Desist Communication with me from all mediums as violating 15 U.S.C. 1692c. as I stated during my last complaint and my previous phone call. XXXX stated they couldnt identify me to my last complaint I then called and identified myself and told XXXX XXXX to notate my account as well to Cease all communications from all mediums and to date, they are still reporting. XXXX Any injury and damages I suffer from the negligent of this company will result in Federal Court as this is my last time trying to rectify this situation as are continuing to use my consumer report with extortionate means
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IN)

I have an account with XXXX. I can get a loan until payday to pay it back. It was all automatically deposited and withdrawn thru my bank PNC. 

Now my bank connection between PNC and XXXX is not allowed anymore. That is what XXXX told me. They also gave me this site to file a complaint about it. So here I am with my complaint.
Consumer complaint received 2022-10-06
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: CL Holdings LLC (MI)

XXXX has violated my Federally protected rights under the FCRA. I contacted XXXX today letting them know the account Jefferson Capital should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to Jefferson Capital but XXXX said they submitted paperwork saying it mine which is inaccurate. XXXX credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.
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. (MD)

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 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I have been attempting to transfer my funds from a debit card from my uc account. I know how much is in the account but the Visa card co. won't allow me to do it. Also l have been trying to call there customer service and l have been on hold for one hour and 35 minutes and l am still on hold. The debit card is a visa debit card from us bank reliacard.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (SC)

Several years ago, I opened a business bank account with Chase bank at my local branch. At that time a " relationship manager '' suggested that I select a " platinum '' account which had many features. I informed him that I did not want to pay any fees for my business banking account and just needed something simple. He assured me there would NOT be any fees, at that time or in the future. Foolishly, I took his work for it. And indeed, for many years after I opened the account there were no fees.
However, I discovered today when looking back at this account that Chase began charging me {$95.00} per month for this account starting in  XXXX  2016. This has resulted in {$1600.00} in unauthorized fees taken from my account. I would have noticed this sooner were it not for the fact that I was transferred overseas for work. I have complained to Chase that this is not authorized and they have not disputed that my relationship manager told me there 'd be no fees. However, they refuse to reimburse me. I would like to be compensated for these illegal and unauthorized charges as this is a clear case of " bait and switch. ''
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NC)

Applied for a loan online to finance some household appliances. In the initial process, I was asked how frequently I get paid as well as debit card info. Once I get to the store to purchase appliances, I find out that the account was set up on weekly payments being drafted out of my checking account, none of which was authorized at this point. We also find out that we would not be receiving the documents in person, but rather through XXXX. In signing the documents, we were then told that there was two options on payment amount, one being for {$62.00} or option two at {$56.00} per week. The {$56.00} payment was without a limited waiver thing, to which we declined. The lady then told us we didn't have that option and I must sign to continue with paperwork. However on my contract it does present as an option. Also stated in the paperwork, is that the first payment would NOT be drafted until XX/XX/XXXX. The lady at store told us payments would be drafted on Fridays starting in XXXX. I called the customer service last night to try and change the payment due date from Friday to Saturday and found out ... they had a payment scheduled to come out XX/XX/XXXX, which is a Wednesday and XX/XX/XXXX is also a Wednesday. In calling customer service we found out the payment was set to come out in XXXX, which I knew nothing about because according to my contract sent to me via email, my payments wouldn't start till XXXX ( Still not on the day I was told in store ). In applying for the credit line, I also was never given an option on how to make payments or how often they would be due. The authorize things on their end NOT authorized by the consumer paying. XX/XX/XXXX I logged into the account online and found that they are planning on now taking a payment XX/XX/XXXX which is NOT authorized either. As stated on my contract first payment is not set to come out till XXXX. I also researched the company to find 606 complaints on the XXXX XXXX XXXX site of customers with the same complaints. I also read in the complaints that they will take random payments and as many payments as they want. As of right now I have NOT authorized anything to be drafted out of my account for the month of XXXX. Please advise what I can do about this and how to handle my bank to make sure I do not incur over draft fees because of a company who is getting away with taking payments UNAUTHROIZED out of consumer accounts. I also have documents supporting my claims. Also none of the information that was on my contract matched anything they had in their computer. We had to have them change the information from their computer to match the contract that I signed and was emailed to me.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am being scammed by paypal. 
I have set up a fundraiser for pet rescue which was approved however after having received many donations they just permanently limited my account all the sudden. saying some XXXX that transactions are at risk? seriously donation is a risk transaction? 
impossible to talk to them in order to resolve the situation I have already been seeking legal advice to join a class action lawsuit against them the attorney explained that they are taking money out of peoples accounts without any reason! so basically they just robb our digital wallets! 
please help me get my funds the total amount is {$7600.00}
Consumer complaint received 2023-01-27
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. (NY)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliable Auto Finance, Inc. (OH)

In accordance with the fair credit reporting at everything has to be 100 % accurate on my credit report You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

the credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active and date of last payment is inaccurate date last reported is not accurate this is ground for removal they also violated my right under 15 USC 1681 section 602 a state I have the right to privacy 50 US C 6081 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my instructions