davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MD)

The 3 credit companies are told to report the way or it automatic with me and others. I feel like as soon as I make a payment of {$500.00} or more my credit score does not go up at all but as soon as its a $ XXXX {$50.00} increase to anything on my credit it goes down 20/30 points. 

Then every thing that is in collections is being reported every month which I think is a inside job because the amount does not change but yet it keep being reported and making my credit go down and stay below XXXX. Since Janurary I have been paying my car note every 2 weeks {$500.00} each and once it gets reported it goes up 2 points but like I stated I get a {$20.00} increase in a bill it goes down drastically. I would like someone to open up an investigation on all 3 credit companies regarding my credit because I feel like I am being ripped off by these credit companies. I do not know if its the color of my skin or what but in the last couple of months I have bought my car note down almost {$5000.00} but yet no major increase. 

1 ) My collections are being reported every single month which is not right. 
2 ) I have paid {$5000.00} or more in car note in a couple of months but it has not budged. 
3 ) A account can get a {$20.00} increase and my credit goes down 30+ points 4 ) My school is on my credit and ruining my life even though the department of education has sued the school for fraudulent acts and the Dept of Edu won millions but the school loan is still on my credit. 

XX/XX/XXXX {$20000.00} in unnecessary loans
Consumer complaint received 2022-05-02
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (GA)

A checking account was opened at JP Morgan Chase in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.
Consumer complaint received 2018-03-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (GA)

XXXX XXXX XXXX seized my vehicle this morning without attempting to communicate with me in person. By doing so, they took possessions of mine that are in the car. I am in the process of filing Chapter XXXX ( have not finished filing paperwork with court but have been working with an attorney for over a week ). I have both electronic key fobs but do not know where the car was towed so that I can retrieve my items and return the keys. 

I want to return the keys and retrieve my items as well as check under the seats for any other personal things.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (FL)

This is my complaint to KEYBANK NA for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TX)

On XX/XX/XXXX XXXX XXXX run my credit. 
I didn't authorize this company to run my credit I've sent a letter on XX/XX/XXXX for validation that I approved them to run my credit. 
as of todays date XX/XX/XXXX I haven't received any response.
Consumer complaint received 2021-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (DC)

Around XX/XX/2021 I began an online process for an Installment loan with UPstart.com. I was initially led to believe that the loan was forthcoming and had been approved. I was asked to provide additional information to complete the loan process, such retirement income, bank statements and photo-identification identification - which I did. I had several telephone conversations in furtherance of the process and had no indications of any problems. 
Needless to say the loan was initially reduced and then finally disapproved after having conversations suggesting leading me to incur additional debt in anticipation of the funds being approved. I believe that I was purposely mislead and that the company had no intention of making the loan. I believe that the DC zipcode and XXXX  animus were prime factors in the denial of the loan.
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery began harassing me trying to collect an ERRONEOUS debt. After SEVERAL attempts to have Portfolio Recovery delete a ERRONEOUS debt from my credit files & cease collection efforts, I feel I have no other recourse than to file this complaint with the CFPB. I have filed a complaint with the XXXX   previously and was told collection attempts would cease, but Portfolio Recovery continues to pursue a debt I have no contractual agreement to be responsible for, as it is NOT mines. I have disputed the ownership of this account SEVERAL times certified, notarized, and writing to both the credit bureaus and Portfolio Recovery directly. Unfortunately, Portfolio Recovery refuses to remove this information from my credit files and cease collection efforts. Portfolio Recovery is violating my rights under the Fair Credit Reporting Act & Fair Debt Collection Practices Act by willfully not being in compliance to correct this erroneous information and cease collection efforts. In addition Portfolio Recovery began pursuing collection of this ERRONEOUS debt when they were NOT even legally licenced to collect in my state. Despite action taken by the CFPB, Portfolio Recovery continues to use deceptive tactics to collect this ERRONEOUS debt that is not mines. With a rise in privacy breaches & identity theft I am sure Portfolio Recovery knows the importance of properly and legally collecting on debts. Portfolio Recovery has tarnished my credit standing and DEFAMED my reputation, causing my family financial repercussions. Please DO NOT simply respond by stating I owe " X '' amount of dollars, giving me bogus bills, or simply ignoring my dispute. I KNOW MY RIGHTS and have documented all of my efforts to get this issue resolved. I will continue to document my efforts and pursue ALL legal avenues available to me until this is resolved. The account number reported is XXXX.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XXXX XXXX Card On XX/XX/2018, I paid off full amount due on XXXX XXXX Card, amount was {$68.00} owed to bring account to XXXX BALANCE. My credit union posted this payment, made on their issued VISA card, on XX/XX/2018. I attach here an image of that account summary showing this transaction on that date. 

Statement from XXXX for XX/XX/2018 shows {$68.00} " overdue balance, '' and then ADDS an additional {$40.00} " LATE FEE. '' They now want {$100.00} for a card that I have already paid off. A scan of this statement is attached here. 

I have demanded that Bloomingdales/American Express/department Stores XXXX XXXX correct their record, issue a credit for the {$68.00} already paid, REMOVE the {$40.00} " late fee, '' and close my account to prevent further bad behavior on their part.
Consumer complaint received 2020-12-03
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 some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, XXXX, and transunion. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help
Consumer complaint received 2022-05-02
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (GA)

I have tried multiple times to dispute inaccurate information on my XXXX, equifax, and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.
Consumer complaint received 2022-11-19
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

This debt was paid per a judgment. The judgment does not ask for interest. It is specific and instructs me employer to collect. The judgment advises not to collect more than the amount shown. Kimball, Tirey is attempting to collect interest ont the debt and continues damage my credit and personal reputation. This debt does not qualify for interest according to FDCPA. Yet, they continue to attempt to collect it. They will not substantiate their position with written documentation. They will not discuss the debt on the telephone beyond demand for payment in full. Their reason given is " we don't have to ''. All of this and I did not owe the debt in the first place.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file ANOTHER formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX of 2023 by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Consumer complaint received 2023-07-27
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo called me a few weeks ago and said I was approved to refinance my home. At {$630.00} per month and starting over at a 2.5 % interest for 30 years. I got behind on my payments from last year due to my company was all laid off for the XXXX support desk for XXXX. They recorded the conversation and said I would have to state that I agreed with their terms stated above to refinance. I said yes I agreed. Paperwork came in and filled out and overnighted to them last week before the deadline if XX/XX/XXXX. Another letter came in a day letter stating that I was not approved. It doesn't make sense why they approved me and I signed the paperwork they would turn around and denied it. I have all the paperwork still. 

I can not afford the {$890.00} payment that it was.
Consumer complaint received 2024-07-07
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: JPMORGAN CHASE & CO. (FL)

XX/XX/year>, XXXX XXXX XXXX {$3400.00}. Simply put. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the next day. We were to pay cash up front {$500.00} for this. Later insurance company approved a {$10000.00} payment. The XXXX did not happen. It happened XXXX days later. They did not get the stone. Went down a second time XXXX more days later and did get it. They stated he must have a XXXX XXXX XXXX that he did not have to have on the XXXX day. Proper treatment was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he is XXXX, out of XXXX and fine. Instead of a {$500.00} operation it was {$10000.00} in insurance and {$4200.00} in cash. Chase stated to me they needed a XXXX opinion from a XXXX, which we could have given them XXXX at the time. They initially turned down the dispute as they stated they tried to contact me to provide this. They did not. I di not get a message via email. No message through their portal. No telephone call. Now we have started litigation with the clinic. A hearing proving probable cause has already happened and the suit is going forward. The judge has demanded medical records that the XXXX can not provide. And will not. As we have provided the medical records sent to the insurance company that this along with medical professional testimony have established billing fraud, as well as medical malpractice. It is a court order to provide these records. A second request has been made of the court. This time they are enforcing criminal action if they are not in compliance.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (MN)

There have been two issues with this new company that my mortgage has been sold to ( I never would have picked this company as my mortgage company ) : - I have my bills paid by my bank bill pay and they send the checks on time, always. This company holds the checks, not giving me proper credit for paying my mortgage on time. The photo I've submitted ( a screen shot of my account page ) on XX/XX/21 will show you that I have not gotten credit for paying my XXXX payment on time even though my bank sent the payment to be delivered on XX/XX/21. 

- When my mortgage was transferred there was no information given to me about having to change my insurance to their company. I randomly logged onto my account and saw information about this, but then the next time I logged on it was gone. Had I not randomly logged on this one day, I would have been in the situation of them buying their own fake insurance for my house and not communicating with me regarding what needed to be done re insurance. The photo I've submitted similarly shows no information about the insurance issue.
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (CA)

I have already paid {$650.00} on a {$500.00} loan. 

I feel the interest being charged is predatory. I was not told the interest rate during my application process with the representative via telephone. 

I was also told I would not be approved for the loan if I did not agree to making automatic account withdrawals. 

I believe I was taken advantage of. 
I paid {$650.00} for a {$500.00} loan. 
I believe they made enough money off of me and that for me to pay more is relative to stealing, while taking advantage of being a tribal company, effectively dodging laws made to protect the public. 

Again I paid {$650.00} on a {$500.00} loan. I would love to request the company to settle paid in full and close my account based on my payment history.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I have been monitoring my credit report and notice that my credit card XXXX XXXX wasn't being reported on my Equifax credit report, but was showing up on the other 2 credit bureaus reports. It was there previously and for some reason was removed. I called XXXX XXXX first and they explained to me that they report every 30 days to all 3 bureaus and couldn't understand why it wasn't there. I then called Equifax who told me that they only get what is being reported to them and there wasn't much they could do and to call back XXXX XXXX. I did my research and looked back to when I purchased 3- bureaus reports through XXXX. In XXXX of XXXX  my XXXX XXXX card was reporting to Equifax as well as the other 2 bureaus. In XXXX of XXXX  it was gone from Equifax for whatever the reason but still reporting to the other 2 credit bureaus. It hasn't been on my Equifax report since and it's effecting my credit score without the positive payment history I have with that credit card over that time frame. It wasn't until i was getting my credit together to try to purchase a house did I notice this vital information missing from Equifax, especially being I just paid the card down and was looking for the results on my credit reports.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

I have been contacted by LVNV Funding LLC several times in regards to a debt listed in the amount of {$590.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.