davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/XXXX. I have called Experian several times. 

1. On XX/XX/XXXX, I sent a handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/XXXX, I sent another handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

3. On XX/XX/XXXX, I sent a third handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

4. On XX/XX/XXXX, I sent a typed letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 3 handwritten letters and one type notarized letter ( all certified mail ) disputing incorrect addresses on my credit report and Experian has failed to delete the addresses.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (TX)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on the Credit Bureaus response to the written requests I sent regarding EXETER FIN. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX XXXXXXXX Ga XXXX. This house was stolen and soled in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this load with Wells Fargo. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case. Spouses XXXX XXXX US FED BRC XXXX XXXX OF GA.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (NC)

OPTIMUM OUTCOMES a collection agency, has placed damaging invalid medical information on my credit report. The alleged balance is : {$190.00} for XXXX XXXXXXXX XXXX. 

I have no knowledge of this account, I never received any written notice of this account and never received notice of my right to dispute or request validation of this debt, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I opened a account with Brandsmart  in XXXX XXXX XXXX Florida. I took advantage of their promotional offer to buy a refrigerator. They approved me for {$1100.00}. I bought the refrigerator and some items to install it. I have been paying more than the minimum payment and have never been late or missed a payment. I have had identity theft in the past so I keep my credit locked and monitored. Brandsmart offers their credit through synchrony bank which we know services many retail stores. When I was making my payment for this month I noticed my available credit was reduced. I check to see if I was charged in error for possibly fees or interest or maybe someone used my account without my knowledge. I found that they reduced my available credit due to what they say was a review of my credit and outstanding revolving debt. The only debt they would be able to see is what Synchrony services because my files are locked. I have both Sams Club credit and Brandsmart with Synchrony. Those cards carry higher balance due to Brandsmart offering promotional rates to payoff appliances and Sams Club is a food club. Im constantly using and paying for my house hold. They never notified me before hand and gave me the opportunity to pay off the balance before they made the changes that will drastically negatively impact my credit score and worthiness by no fault of my own. I have kept my end of the terms and agreements and they have not. Im outraged and financially impacted. They have affected my ability to negotiate other credit relationships terms and conditions and be eligible for lower rates Accross the board.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of XXXX, i filed a dispute with Experian and XXXX   credit bureaus about the unverified account : XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you
Consumer complaint received 2022-01-11
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 ()

PayPal permanently limited my account for 180 days yet I didn't do anything wrong. This happened on XXXX XX/XX/2022. I understand the decision was made for security reasons but this is unfair because I need to pay my school fees ( very urgent ) and bills as I don't have other means for getting money. Kindly assist a desperate case. The email address linked with Paypal is XXXX XXXX
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (MD)

I have several unauthorized credit inquiries from XXXX XXXX from the following dates : XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.
Consumer complaint received 2021-02-14
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. (TX)

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

I have received repeated calls from multiple numbers - every day, multiple times a day. They do not speak or leave a message, but traces back to Credence Resource Management - a company I have absolutely no history or ties to, nor do I know of any collections they should be calling about. 

Some of the numbers used : XXXX XXXX XXXX This is invasive and abusive and needs to stop.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

The following company has continued to report the following account to my credit report. The company has failed to provide me with violation of debt. I am bringing this information forth to a judge in my area if this account is not removed from my credit file.
Consumer complaint received 2021-11-09
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. (NC)

My ex wife and I purchased a car through a local dealer and was financed through XXXX XXXX XXXX XXXX XXXX. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to XXXX which stated that my ex wife was solely responsible for the loan and XXXX refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Consumer complaint received 2021-11-09
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. (NC)

My ex wife and I purchased a car through a local dealer and was financed through XXXX XXXX XXXX XXXX XXXX. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to XXXX which stated that my ex wife was solely responsible for the loan and XXXX refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Consumer complaint received 2021-11-04
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. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

National Credit Systems is ruining my credit reports for XXXX XXXX XXXX. This balance should have been collected from my guarantor company XXXX rent but XXXX place did submit their claim the correct way now they have given the balance to a collection agency that has harassed me threatened to take me to jail and called my family. The company also has reported the collections account three times on the same credit report. The are making life hard for me and scarring me.
Consumer complaint received 2018-02-07
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: DISCOVER BANK (GA)

My query is with the company Discover Bank.I have contacted Discover in reference to account open in my name..They also receive a copy of Identity theft report from credit bureau when I disputed this account..I have asked for proof of my signature or any viable document that represent me entering into business venue with them ... I have now nor never done business with Discover..I have not applied for credit since XX/XX/2015 ...
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AR)

I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WA)

I have an XXXX card and did a purchase 12 months with no interest. I had a regular balance on the card as well so I did a payment that covered both the promotional balance/12 as well as paying off the regular part of the card. The promotional amount was {$680.00}, and in the statement the amount due for the promotional balance was not split out anywhere, so I did the calculation myself. It was $ XXXX which equaled {$57.00}, so I made that part of the payment for {$57.00} and paid off the rest of the balance of {$84.00} on XX/XX/XXXX. The bank rather than rounding as normal, rounded up to {$57.00} which left me XXXX cent short in paying off the card. Because of this, I was assessed interest on the non-promotional balance for {$11.00}. I called the bank on XX/XX/XXXX to try to resolve this and they refused to refund the interest charge. 

I have two major issues, the first is that they don't split out anywhere on the statement what the promotional part of the payment is, which leads to issues like this and the second is that they would not refund the interest fee even though they're using non-standard methodology in rounding.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

I have been using PayPal personally for 20 years and have a business PayPal account for over 10 years. I have processed over {>= $1,000,000} through PayPal through my business account via credit cards, paypal payments, etc. Recently PayPal is being unreasonable and unfair in their requests for recent transactions and in turn have held up my funds for over 2 weeks. This is impeding my business and causing issues. At one point, I had to refund over {$100000.00} in payments to customers and inform them to provide payment using a different method, per PayPal instructions, stating that they believe PayPal is not the choice for processing these transactions. The transactions in questions are for high end computer equipment, as my business is a XXXX XXXX. When refunding all these transaction, I lost over 20 % of my business, as customers were irate and decided to cancel their orders. After the refunds, per their instructions, PayPal is still holding funds, requesting more unreasonable and unfair information and still holding funds. Each time I submit the information they request, they don't review for at least 48 hours and then kick back more information. Everything they request is always given to them and they continue to be nit picky and continue to avoid my requests for release. Again, they are being unfair and unreasonable.
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I made the worst decision to attend the XXXX XXXX XXXX. 

Since XX/XX/XXXX, i have had little luck obtaining consistent work that will facilitate the loan repayment. 

I blame Navient for facilitation the option for forbearance before offering other options such as IBR. 

In XX/XX/XXXX, i applied for the Income based repayment, but was denied by navient. All government literature suggested i would qualify however Navient has declined my request and continues to facilitate forbearance. Of course they would, they will take benefit from and ever increasing capitalised interest. 

This loan is not manageable and sadly will lead to a default. I have no assets it seems as a slow painful financial death for me.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''
Consumer complaint received 2021-11-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (KS)

On XX/XX/2021, I received a letter from Charles Schwab that I had a account opened fraudulently I did not open this account. The letter is dated XX/XX/2021. I have contacted them to tell them that it was open fraudulently without my knowledge.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (MD)

I have credit inquiries on my credit report from XXXX dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

( AD ASTRA REC ) Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the { XXXX XXXX }. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and ( AD ASTRA REC ) is authorized to administrate ( acting trustee ) on the { XXXX XXXX }, together with a certified copies of signatures contract between you and consumer name, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this complaint, forward to your ATTORNEY