davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
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: CITIBANK, N.A. (CA)

I disputed the transaction on XX/XX/2019 for {$290.00} with XXXX  XXXX  XXXX. We returned the whole order within the return period of 90 days on XX/XX/2019 via XXXX XXXX " XXXX ''. The carrier indicated the package was delivered. But we never received the refund, and citi bank charged us back for the returned item.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I have a loan with JPMCB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Credit Bureaus and JPMCB with no successful resolution. 3 Credit Bureaus reporting me late. There was definitely an error on their part.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (GA)

Sent LV funding debt validation for never having an account with them. They are still reporting inaccurate information on my reports. Seeking punitive damages for time it took to look into this matter seriously affecting my life.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (MA)

A dispute letter to remove an item on the Lexis Nexis report, generated in my name, was sent to Lexis Nexis via certified mail on XX/XX/2021. On XX/XX/2021 I sent an email notifying them of the mailing and attaching the letter mailed. According to the certified mail return receipt Lexis Nexis received and signed for the letter on XX/XX/2021. To date I have not received an update or response regarding my dispute despite it being 32 days since I sent the email and 30 days since they received mailing.
Consumer complaint received 2021-09-13
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

On XX/XX/2021, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank has decreased my Fico score for no reason. 
In the Fico score report, the Wells Fargo report stated that I do have serious delinquency accounts. 
I do not have any delinquency accounts and all my financial accounts are current and paid on time. 
The bank has lowered my score from XXXX to XXXX.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX opened in XXXX, discharged in bankruptcy in XXXX is being reported by one of the agencies as delinquent. I disputed the reporting but it is still reporting incorrectly and I am unable to dispute a second time.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (NC)

I have paperwork that i have sent to the company an also XXXX. 
Numberless of times I ask for validation of Debt The creditor has refuse to send me a copy of the original contract with my signature bearing Is that do not belong to me Ive spoken with Credit or today via phone on XX/XX/2019 The president of the company stated he doesnt have to provide me with a contract that is tying me to this dead. He told me he sent a letter out to Meme and I never received a letter but he said he is not required to spend money to send anything to me certified mail to be sure that I got it. Ive asked XXXX  To validate the debt Not through email but certify mail because through email or fax any could fraudulently post things on my credit report. They have also fell me to please help. I also asked the company not to call my phone again after I spoken with the president of the company he said that he can call me when he wants when is concerning this Deb and he called me back I have proof They are telling me that the debt is accurate but not telling me how the devil is accurate theyre not giving me any information and has failed to respond to my dispute request providing me with the information I requested of them
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a certified letters to XXXX, XXXX and Transunion on XX/XX/2022 regarding inaccurate information reporting on my credit report demanding immediate removal of the inaccurate inquiry listings. XXXX, XXXX or Transunion has not followed up with me in over 30 days regarding the issue.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (CA)

I received notification from my credit union ( XXXX XXXX XXXX ) dated XX/XX/XXXX that a levy had been served on my account in the amount of {$10000.00} and was debited {$2400.00} from both my checking and savings. They also included a copy of a judgment. I immediately inquired into the judgement and found that the debt owed was from the year XXXX. I was unaware of a balance due from that time nor did I ever receive communication regarding the debt, nor was I ever serveda a subpoena. The Plaintiff/Creditor is listed as XXXX XXXX XXXX who hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. As stated I do not know what this debt is for as it has been 13 years since it was first issued according the to judgment nor do I believe I am liable of this debt. Now I have been debited my year 's savings and need it back urgently.
Consumer complaint received 2019-11-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX  XXXX  XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I XXXX XXXX, am making this complaint for myself there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I sent in an identity theft affidavit over 30 days ago and still have not received a response. The credit reporting agency is now in violation of 15 USC 1681c-2 and 15 USC 1681e .
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (FL)

I took out a loan for {$1200.00} and have made payments now {$3800.00} and the principal on the loan is still higher than the original amount borrowed. The current payoff amount for the loans after all the payments that have been made so far is {$1200.00}
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (CO)

The account was opened on XXXX XXXX, 2023, and now they sent it to the collection between XXXX XXXX, 2023, and XXXX XXXX, 2023 this debt doesn't belong to me and is affecting my credit debt collector agency : XXXX XXXX the original creditor was XXXX XXXX XXXXXXXX XXXX  XXXX Please help me with this, is affecting my credit
Consumer complaint received 2020-07-10
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: United PanAm Financial Corp. (NJ)

This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc (FL)

E-mail was received from affirm to confirm that autopay has been enabled. The last one was on XX/XX/2022. However " affirm '' did not debit my account on the mentioned date to get the available funds that were sufficient. Since then, they never call or send an email regarding a recall for payment, neither to notify a late payment.This lack of communication can put the clients in a really bad situation regarding their credit. I wish that they resolve this issue for a better consumer experience!
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (NV)

I was scammed through XXXX by a man claiming his name was XXXX XXXX XXXX. He used the late XXXX XXXX pictures. I wire transfer him {$12000.00}. He has disappeared from my social media and has disconnected his number. I posted my situation on favorites and someone saw and has contacted me letting me know her XXXX XXXX XXXX mom is being scammed by the same person. 
The bank can not help me regain my money
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (LA)

On XX/XX/XXXX I have made a purchase to buy crypto using COINBASE I got an email saying my payment was canceled but my bank account was still charged for over {$3000.00} ( money took from my account but no funds in my coinbase account ) coinbase support do not help their customers I have made two purchases with my bank account for {$2000.00} trying to buying Litecoin using coinbase.com I also made three more purchases through XXXX {$1000.00} {$100.00} {$35.00} trying to buy $ AMP i have reached out three time and only get an automated message
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NC)

XXXX tore out family apart. 
Claimed we had to get independent housing aftery grannys age got the best of her. 
Demanded I get independent housing without resources. 
They claim theyre not any resources. 
It's been close to a year since my children have been with their mother. 
Their father is deceased as of XX/XX/2022. 
They were taken XX/XX/2022. 
I'm a aingle mom. 
I just learned my twins were never properly registered as my kids at birth with the state. 
I can not get any help with these matters to reunite my children with ( me ) their mom. I only get more and more demands to do things to satisfy the department and less and less resources. PLEASE I AM BEGGING FOR HELP.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CO)

Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This affirm account should also be removed from XXXX.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$100000.00}.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$25000.00}
Consumer complaint received 2021-07-20
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: SYNCHRONY FINANCIAL (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-08-11
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: New Mexico Educational Assistance Foundation (NM)

I have been calling 180 Resolutions since XXXX of 2019 to pay this debt in full or get a payment arrangement. I want in return for 180 resolutions to STOP and reverse the dings on my credit score. This is unnecessary and is hurting me the CONSUMER credit report. I have called New Mexico Student loans and they are unable to help because the loan or note has been sold to 180 credit resolutions. They are not willing to work with me every time I call.
Consumer complaint received 2023-01-11
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2021-09-13
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. (MS)

On three separate occasions, I have discovered that inaccurate information is being reported on my credit file specifically unduly hard credit inquires all ranging different dates. I have tried to contact the bureaus and the creditors directly to dispute what I was under the impression as were soft inquiries that are now presently affecting my credit in a negative manner. I have not authorized such actions for credit and these unauthorized and unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I understand and am aware that inquiries are a factual record of file access and it is the credit bureau that is reporting these unverifiable requests for my credit after I have shown proof that these were not hard inquiries.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WI)

I check my credit report monthly, and back in XX/XX/XXXX, I noticed PayPal had pulled my credit report ( hard inquiry ).

I did not authorize PayPal to pull my credit. I did not apply for anything. Also, I had a Credit Fraud Alert active, so they pulled without verifying any information with me prior as well. 
I have reached out on ( 3 ) different occasions and was told it would be removed and to allow for 30 days. Every time, the 30 days comes and go, and I have to reach out again and I'm given the same response. The credit analyst also tells me they are unavailable to provide a confirmation number or anything to show something is being done. It is now XX/XX/XXXX, and it is still showing on my report.
Consumer complaint received 2023-01-11
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: Fidelity National Information Services, Inc. (FNIS) (WA)

This is my third complaint about ChexSysstems. They asked me to dispute items on the ChexSysstems report to the tune of which I have I have also asked to see if XXXX  understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are ChexSysstems XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX years and it doesnt go any further than where we are now because ChexSysteXXXX refused to prove that I have these erroneous accounts and they just go with what their XXXX XXXX  collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe