davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.
Consumer complaint received 2023-04-06
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. (LA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-25
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: Financial Business and Consumer Solutions. (AR)

I have an account with XXXX XXXX XXXX. They have reported to credit bureaus that I do not pay my balance and give incorrect statements. They have done this the last two months. I was able to dispute it and have it resolved in about a week with XXXX XXXX. This month the added a derogatory remark to my credit report which made it drop a significant 85 points. I called them the next day. They said they would fix it the following day. It has not been repaired. I am now being declined access to finance which is not my fault. I would like to take legal action against them if it is not repaired soon. They have ruined my credit. I have never made a minimum payments. I pay my balance in full.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (UT)

I got a text message from this company called State Collection Services. Honestly their text looks like a scam. I really am not sure. It doesn't say anything about this is an attempt to collect a debt. I tried to call them multiple times to find out if it was legitimate. When I finally got through they wanted my full name, date of birth and address. That sounds super scammer. That sounds like every other scammer that calls. I said if I have a debt with you can you pull it by my name. The lady was super rude. Didn't say this is an attempt to collect a debt. 
I still have no idea if this is legit or not. Why would I give my information to anyone with 10 scam calls a day and I don't have any idea if this is real.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I received an email to settle a loan I had from cash net USA for half of what I owed. The email said I could make payments if I couldnt pay the full amount. I called and offered them XXXX today and the rest on XX/XX/XXXX. They agreed and setup the payment for XXXX for today and the next payment on the XXXX. 

They took both payments out of my account today without my permission. They stole it from me. 

They are also operating in violation of Virginia state law because I have two payday loans at once.
Consumer complaint received 2022-04-29
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. (TX)

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

XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

DISCOVER CREDIT CARD IS NOT REMOVING THE ACCOUNT UNDER MY NAME THAT WAS OPENED DUE TO IDENTITY THEFT.I HAVE DONE A POLICE REPORT AND SENT IT TO THEM AND THE CREDIT BUREAUS TO REMOVE AND NOT REPORT TO THEM OR CALL ME HARASSING ME OF A PAYMEN. THIS HAS BEEN VERY XXXX FOR ME TO BE DEALING WITH THIS AT THIS TIME AND AGE OF MINE. I NEED TO BE REMOVED FROM DISCOVER CARD SERVICES AND SYSTEM.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My initial contact was by Phone to XXXX   XX/XX/XXXX to investigate inaccurate information. TransUnion sent to me documentation on XX/XX/XXXX of their finding that has been confirmaed as inaccaurate or incomplete public record information based on the following additional records details obtained from Georgia, XXXX County Magistrate Court Civil Case Inquiry website ''. But to this day XX/XX/XXXX TransUnion continue to report false information. I was not a renter, my husband own the house and it was later given to me through divorce court. I was the owner not a renter. Court documentation of my divorce decree proves this and the fact that the court documents state that it was consent of the agreement between XXXX XXXX attorney to allow me time to move out after the company purchase my home in foreclosure sale and the Judge set the date for XX/XX/XXXX and I gave them the keys but the company refuse to stop reporting this case information as an eviction.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (ID)

To whom it may concern, I incorrectly entered the wrong account number to set up direct deposit at my work. This incorrect number was actually a valid account number with Chase, so the deposit was made into someone else 's account. I called Chase to try to fix the issue and they instructed me to file a claim for the {$500.00} that was sent to the wrong account. The findings of the claim instructed me to go through my works payroll departed and have them recall the money back. Chase received my companies Payroll department request, but denied it because the funds had already been withdrawn from the incorrect account. Since then I have spoken to numerous Chase reps, as well as a supervisor. The supervisors name was XXXX, and she instructed me to go through small claims court, to try to get my money back that way. She would not provide any information for the other party who received my money, which i completely understand, but she also said Chase would not contact the other party to let them know of the mistake. 

I have the other persons account number, but I don't believe i should have to go through small claims for this. I am not even sure i would be able to, without the other persons name or address. 

I find it extremely hard to believe that Chase can not put the other persons account into the negative, or at least contact them to let them know of the mistake. Every rep i have spoke to at Chase seemed uninterested in my problem, and always tried to transfer me, and get me in another direction. 

I can provide the other parties account number, as well as mine.
Consumer complaint received 2023-04-06
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. (WA)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$670.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IL)

Arvest Central Mortgage Co ( XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXAR ), charges {$5.00} processing fee for paying mortgage online, and {$10.00} over the phone. Before Arvest bought my loan, i did not have to pay these fees to pay over the phone or online. This forces me to mail in a payment and manage a portion of my money non-electronically like the ever single other aspect of my finances and creating a major inconvenience, or pay the extortion fee. This is illegal, immoral, and i feel i am being taken advantage of, because I have no control over who buys my mortgage. 

over the life of the loan, that will equal to a minimum of {$1800.00} in fees that were not disclosed at all.
Consumer complaint received 2021-10-25
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OR)

I attended XXXX XXXX and I have debit from them. I have a degree with them but it is no good and they conned me into going to this school and then closed. Now Navicat has nothing to work with me. I need forgiveness. Can someone call me to better explain XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX   This is not my account nor have I opened An account with them. Please have this removed
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i the consumer sent XXXX XXXX XXXX a debt validation letter certified mail pursuant to 15 usc 1692g they received XXXX They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with XXXX XXXX  XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit 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: CLGF Holdco 1, LLC (FL)

On XX/XX/2021, I purchased furniture online. The merchant, XXXX XXXX, opened an account through Genesis FS in Oregon to charge the purchase to. The purchase was returned to the store because the color was wrong and not what was described as online. I immediately disputed the charge and the Genesis put the charges on hold. They finished their review and denied my claim. In the meantime, XXXX XXXX had picked up the furniture and now Genesis FS is charging me for a purchase I no longer have. I tried to discuss this with Genesis but they said they couldn't help me any longer. i have been battling with XXXX XXXX and Genesis FS for several months now.
Consumer complaint received 2021-02-11
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. (NY)

I am submitting this complaint in regards to my XXXX  XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX  ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, XXXX, and Experian. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have an account showing up on my credit report as a collections for XXXX XXXX . This account was paid off by the company assigned to collect which was XXXX XXXX XXXX on XX/XX/2021. A company by the name of XXXX XXXX XXXX is still attempting to collect an inflated amount of money that is not owed. I have disputed twice with the credit reporting agency by submitting a PAID IN FULL letter and the XXXX XXXX XXXX company continues to call, text, and renew this account on my credit... which is negatively affecting my score.
Consumer complaint received 2018-03-05
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: Bread Financial Holdings, Inc. (CA)

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. PaypalXXXX ( XXXX XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXXr XXXX XXXX XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through credit karma, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX. XXXX ) - I had a secured card from XXXX XXXX therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Focus Holding Company (FL)

I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. 
There is a {$410.00} charge I want removed and I want to be removed from their call list!
Consumer complaint received 2023-02-06
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. (IN)

Thats by law USC 1681 and USC 1681S2 I have the right to privacy and did not authorize these being put on my credit report and would like them removed Reported : XXXX XXXX, XXXX + {$320.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The creditors and credit bureaus are causing financial hardship due to improper use of my credit report. Per the FCRA, as a federally protected consumer. I am contacting you for the violation of 15 U.S. Code & 1666B - may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also according to 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In conjunction with 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services of any collection agencies. Also, Reporting Transaction history is also illegal according to 15 U.S. Code 1681a. All data must be furnished correctly. To enforce my rights, I request Under 15 U.S. Code 6805 Enforce.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (LA)

On XXXX, I reached out to Victorias Secrete in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that Victoria Secrete had updated my credit report showing my account late as of XXXX and XX/XX/2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX AND XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT