davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
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. (DC)

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP.

I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Consumer complaint received 2020-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.
Consumer complaint received 2023-03-26
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. (AL)

I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : NAME : XXXX XXXX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 Chase closed my account without notifying me thru mail. I am not sure when they closed my account. I just found out today that my credit card xxxx xxxx xxxx XXXX is closed and I lost my XXXX reward points. 

I also have problem with chase website that kept popping asking for paperless every time I log in and I could click the paperless instead of paper. i always setup paper. That's why I missed the payment. When I called that the reason they give me is i did not pay or I missed payment. That's the only payment I missed and it is not on purpose. I have never missed any payment and always pay in full. All I am saying I missed payment chase already charged me interest and fees and chase dinged my fico score, isn't that enough? 

But for closing account, regardless chase at least notify me thru paper mail and give a chance to transfer my points to another accounts if they want to close the account. My reward points worth {$2000.00} and i only owe around {$200.00}. I earned that reward points. 

I attached the statement. I usually write down when I paid and which bank I use to paid. See the attached
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (DC)

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Consumer complaint received 2020-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

In XXXX it was brought to my attention that a collections company, Ad Astra Recovery Services Inc., was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with Ad Astra to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from XXXX XXXX XXXX , XXXX, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX  credit score had dropped XXXX points because of this debt.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2019-03-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the 8th but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bay Area Receivables, Inc (MD)

In XX/XX/XXXX I was transported to the hospital by XXXX XXXX. When I received the bill I provided both my XXXX and XXXX  insurance information. Around XX/XX/XXXX I received a call late at night from a very rude person saying I owe XXXX XXXX XXXX. I informed him that I don't and that not only did I provide both my insurance, you can not bill XXXX recipients separately. He said it's going to go on your credit. I said you can not do that. I provided all my information and do not owe you any money. Stop harassing me. You are calling late at night and being very rude. I informed him to remove my number from the system and send me any further communication in writing. XXXX XXXX still put me in collection.
Consumer complaint received 2019-03-12
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. (MA)

There a collections account on my credit report for {$350.00}. It was originally a national grid account that was closed in 2009. I disputed it with Transunion in XXXX of last year & it was removed from my report. Last month it must have been resold to another collection agency & was re-reported to Transunion. I disputed its validity with Transunion & they denied removal. Transuions response was that it meets FCRA requirements. Is it legal to keep changing collections agencies & reporting false dates on my report? I've tried to resolve with Transunion but it is still on my report.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (AR)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX  XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Consumer complaint received 2020-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (GA)

This company RISE is showing up on my credit report. I have never done business with company, never had a loan or any interaction. 
I have disputed this with the credit reporting agencies and written to the company personally asking them to validate the debt or provide other information. I have received nothing from them. I have called a been left on terminal hold.
Consumer complaint received 2021-10-12
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: JPMORGAN CHASE & CO. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (FL)

There was a credit account opened in my name on XX/XX/XXXX thru the internet with Regions Bank and was funded by a XXXX $ XXXX XXXX. I originally called Regions Bank and was told actions were being taken to resolve this. A week later I received a card in the mail and called back to ask why I was getting this card if it was a fraudulent account. I was told it was because when I originally called they changed my address to my correct address because it was originally at a Regions Bank somewhere in Alabama that this account was made. I was assured that this account was getting closed and not to worry. I then put a freeze on my credit reports because I was getting numerous inquiries. I then found out the Regions Bank account was then somehow funded by a XXXX $ payday advance. I then went to a local Regions bank to try to resolve in person. That went nowhere and I was told to just resolve it with the credit reporting agency 's. I have tried to dispute this account twice with XXXX and the other 2 agency 's but, Regions Bank keeps verifying this as an accurate account. Please help me. I dont know what to do. Noone at this bank is helping me and trying to get this resolved with the credit bureau 's is impossible.
Consumer complaint received 2017-12-14
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: Convergent Resources, Inc. (MI)

XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX  XXXX mi XXXX false address XXXX not live there 20 years now.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management, Account number XXXX, Contacted me via mail regarding to attempt to collect debt. I agreed to pay XXXX XXXX Bank before they sold the debt to XXXX but there were miscommunication and misunderstanding with XXXX XXXX Bank. I do no agree to pay XXXX and debt owed to them as they will not remove the collection now placed on my credit report. Please help me remove this collection debt placed on my credit report.
Consumer complaint received 2021-10-12
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: Experian Information Solutions Inc. (WA)

I have an item on my Experian report stating I was 90 days late on ONE month in 2016 for a student loan. I without fail paid on time every single month. On this ONE month in question, I was marked 90 days late, but somehow ALL OF THE REST of the payments for the LIFE OF THE LOAN were ON TIME. Even the very next month. This is literally an impossibility. If the payment was late by even 30 days, the next month would be effected. If the payment was 60 days late, the first month would be 60 days late and the next month would be 30 days late. I have disputed this over and over and Experian refuses to help. I have even been hung up on by supervisory reps in the Experian call center. This is ILLEGAL. I have been trying to avoid the use of litigation but I now believe I have no other recourse. I also believe that because I have disputed this, my score has been kept low in retribution by Experian. If this has to go to court it will be a really difficult thing to explain to a judge how someone with ONE late payment in 2016 in an otherwise PERFECT credit history has a low score. XXXX = XXXX ; XXXX = XXXX ; EXPERIAN = XXXX. This false information is hurting me, my reputation, and costing me money in the form of higher interest rates. This needs to be removed from my report and so far Experian has refused.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (TX)

I have had an account with PayPal for around 10 years. About 5 years ago they locked me out of my account for reasons they can not tell me. My account has been at a XXXX balance for around 8 years. When they first locked me out of my account, they said to add my bank and that would verify that I am me. Well, that didn't work, then they said add a couple of my credit cards to my account. Well, that didn't work. I haven't been able to do anything with my account. I have called several times and they either hang up on me after a few hours or they start I chat and we get disconnected. I just want my account closed, you would think after 8 years of inactivity, they would just close the account. Now they want me to send them a lot of new information, I do not trust them with any other information. Can you please find out how they can treat people like this, and close my account.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX information services, Transunion and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX XXXX in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with XXXX Information Services .
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc. (MA)

In XXXX of XXXX I had an unpaid medical debt ( not paid because moving house ). I paid it in early XXXX when it went to collection. 

The collection shows up on my credit report, and I need it removed. 

I have contacted Peter Roberts multiple times to try to get the collection removed. On one occasion they suggested that I would have to pay to have it removed. They also suggested that I contact XXXX XXXX, who initiated the collection, and I did. They told me to write a letter to XXXX XXXX. 

On XX/XX/XXXX I used the XXXX platform to send a request to Peter Roberts ( confirmation # XXXX ) to ask them to remove the collection from my credit report. They have not done so. 

I have called XXXX XXXX and they report that they have received no communication from Peter Roberts. I have called Peter Roberts multiple times. On every occasion I am sent to voice mail, I leave a voicemail with my name and phone number ( twice to ensure that it is clear ) and they do not call back.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (GA)

I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.