davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. XXXX  did not have my correct contact information and I was not notified when my loan was taken out of forbearance. 

I took out the loan in XX/XX/XXXX with XXXX XXXX for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX Georgia. XXXX refunded XXXX XXXX XXXX the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. XXXX failed to provide me with the paper work showing my reduced loan balance that was due. XXXX failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( XXXX ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. XXXX has continuously charged me an illegal amount of interest and fees. I had to contact XXXX and provide them with my updated contact info only to be informed that my amount due is {$36000.00}. 

I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ). 
XXXX has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. XXXX has been reporting the incorrect original balance of the loan. 
XXXX has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information. 

Please view the paperwork I have attached. It will show the payment history over the life of the loan to XXXX as well as my credit report that has the incorrect balance and payment history remarks. 

I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as XXXX is doing illegal collecting and reporting practices.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinman Acquisition Group (PA)

I have been receiving calls from a local number, XXXX and it is an automated number stating that this message is for me and that this is XXXX XXXX and she is a processor and that she tried to serve me sealed documents at my home yesterday. She stated in the voicemail that this her 3rd time trying to do so. She states that she will be checking my other known locations trying to find me. She states that if I do not accept these she will have to inform the filing party and to contact her at XXXX.
Consumer complaint received 2022-09-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : XXXX XXXXLate/Open Late Date XX/XX/20
Consumer complaint received 2019-03-05
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. (OH)

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC (SC)

Auto was repossessed and sold.Although it was sold, we did not obtain any actual bill of the sale. According to a letter sent, it was sold for way less than it was worth. Also, we were letter told that the company whom we purchased the vehicle from, closed do to illegal dealings.I think it 's unfair to owe such a high balance, when we did n't get a actual bill of sale. The vehicle was almost paid off. I think it would be only fair that this negative impact, be deleted from both me and my wife credit report.
Consumer complaint received 2022-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from XXXX XXXX was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.
Consumer complaint received 2022-09-09
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: NAVY FEDERAL CREDIT UNION (TX)

There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from XXXX XXXX was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.
Consumer complaint received 2017-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal Breached their contract with me on XXXX and illegally seized the funds in my account and gave me a bogus excuse saying my skincare items breach their user agreement when I check their user agreement there was no mention of skincare creams being banned from selling on their platform. With all this information XXXX still decided to hold my funds for 6months and now the 6months are up on XX/XX/XXXXPaypal still has my funds seized and my funds restricted I am only allowed to remove XXXX a month of my own money, I never gave them permission to use XXXX and Mis-Handle my funds they are breaching their contract because the 6months is over and they still refuse to release my funds!
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (CA)

I paid off a loan from Advance Financial on XX/XX/XXXX. Attached is the receipt. For several months after the loan was paid off I would receive various emails saying that I still owed small amounts - ie under XXXX each time I would call to pay them and then receive an email the following month requesting XXXX again. I finally started ignoring the emails and decided it was a scam. Advance Financial ( af247.com ) likely owes ME money from the fraudulent post pay off fees that they sent me. 

Fast forward to today, XX/XX/XXXX, I receive a notification from the XXXX XXXX that a collection account has been added to my credit report from a collection agency called XXXX XXXX XXXX for {$6400.00}. XXXX XXXX XXXX  I called XXXX XXXX  and advised them that I did not owe Advance Financial anything. I shared the payoff receipt. In fact, I never paid them late. I requested that XXXX XXXX send me copies of what was provided to them and have not received.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello Today 's date is XX/XX/XXXX i have tried on a few occasions to get rid of hard pulls that were fraud that i never applied for. Which I will fill you on the ones I am talking about. XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX and XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX. All four of these show up on my equifax and to the best of my knowledge i never signed anything or agreed for them to run my credit and would like removed off my credit report.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (IL)

I received a credit card from Synchrony Financial. Theres seems to be activity on the card which was not by me. I keep calling the customer service number to report fraud and the operator keeps telling me that number doesnt exist. I have called three different numbers, that have taken me to the same operator and every time I have tried to report fraud the operator tells me that the number does not exist. As such, I cant submit my fraud report.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (OK)

e-mail toXXXX XXXX XXXX Ma'am,

Did I or did I not walk into your branch about two months ago and sign up to have my account statements for XXXX delivered to me via slow mail on paper?  This is the second month I have not gotten my paper statement for last month.  Please fix it. 

I will not ask nicely again.  Nor will I wait for years, as I did with your online mess.  The next time I will take out an ad in the legal section of the XXXX XXXX, the month after that, I will take out a column ad, and the month after that a half-page ad, and the month after that a full page ad.  In each one I will explain to the public that your bank is either incompetent or discriminating against me personally. That your bank has long refused to give me reliable online service, requiring me to repeatedly sign in while going around in circles on the login page - then lied about why, offering up ridiculous IT excuses that don't pass the smell test.  Then when I sign up for paper statements, refuses to send them, making me ask every month. 

Eventually, I'll get inventive and start putting videos about it on XXXX.  I'm going to ask in speculation if this is the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX messing with someone who is not XXXX.  Or entirely XXXX.  Yet. 

I shall also send repeated complaints to the CFPB, citing "your complaint XXXX about Arvest Bank."  Then, when that's all said and done, I'm going to get a lawyer and sue your bank in court, for lawyer's fees and the sheer aggravation of being forced to move my accounts, savings and automatic deposit(s) to another bank.  Because surely I could not trust your bank to facilitate that without causing me significant financial grief.  It would seem to need a court order and sufficient financial penalties for fraud or failure.  After all, you also promised me online service and paper statements. 

If you should think that your bank can mess with me like this and then expect me to be satisfied with "arbitration", please think again. 

Sincerely,
XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JTM Capital Management, LLC (FL)

Beginning in XXXX of XXXX I have disputed these alleged debts. I have asked for debt validation from XXXX XXXX Bank along with JTM Capital Management and requested that these accounts are removed from my credit reports. I have not received validation of debt from XXXX XXXX Bank or JTM Capital Management and my requests have been ignored. I do not have any knowledge of these accounts. I want to see proof of debt and a contract that has my signature to prove, I am in fact the person repsonsible for these debts. XXXX XXXX XXXX JTM Capital Management continues to verify the accuracy of the information being reported with the CREDIT BUREAUS after my numerous disputes with XXXX , XXXX and XXXX . However, my debt validation request are being ignored. 

There are a total of two accounts from XXXX XXXX XXXX XXXX being reported on my credit reports. I am disputing both accounts. Both accounts are listed as sold/transferred to JTM Capital Mangament LLC.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (IL)

Experian and XXXX are reporting incorrect inquiries that I do not recognize. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX is reporting loans that are older that 7 years old and it is messing with my credit balances. When  I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXXt is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.
Consumer complaint received 2017-11-16
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)

On my letter dated XXXX XXXX, XXXX, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy XXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XXXX XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a e-mail from a XXXX XXXX after filing a complaint to the XXXX XXXX XXXX XXXX. XXXX XXXX told me via voicemail that the XXXX XXXX XXXX XXXX provided my information to him. I tried getting in contact with him and haven't been able to. He tells me to only contact him by telephone. I went to my local Bank of America close to my home and spoke to a banker, not the bank manager this time. I also spoke to a live representative on the telephone who stated she doesn't know a XXXX XXXX. The banker who assisted me suggested it was spam or an impersonation. So I am writing to verify who reached out to me. 


Thank you, XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

First point - this complaint has nothing to do with the content of my credit report from Experian. I filed a complaint previously and the response with a canned response about disputing the content of my credit report. Let me emphasize again ... .this has nothing to do with the content of my credit report or disputing the content of my credit report. 
Complaint : Experian lowered my FICO credit score because I requested a Security Alert and a Security freeze from Experian and from XXXX after the XXXX data breech.  There were no changes in my credit report or credit history. My FICO score should not be lowered because I requested a Security Alert and a Security Freeze.
Consumer complaint received 2017-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts were being reported incorrectly to credit bureaus by the XXXX XXXX XXXX. XXXX has investigated and thus removed the accounts. I have contacted Transunion and XXXX via certified mail to follow suit and remove the accounts. I have not received an update as to the status of the request.
Consumer complaint received 2017-11-16
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. (OH)

TransUnion is refusing to remove unauthorized inquiries on my report! I called several times to get this corrected and have had no success. In my most recent call on XXXX ; i spoke with a supervisor name XXXX who was very RUDE and informed that nothing can be done and there is no dispute process for inquiries and that inquiries are facts. Per FCRA, the only permissible purpose to pull ones credit is for a firm offer of credit, insurance, employment, or court order. Neither of these reasonings apply for the inquiries that i am referring to! They are reporting inaccurate information and is refusing to remove it from my report!
Consumer complaint received 2017-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the letter that I sent to the credit bureaus on XX/XX/XXXX requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Oregon Credit Service, Inc. (AZ)

I have disputed the account information with these collection companies and credit bureaus. 

This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. 

This company must STOP reporting this account on my credit report immediately.