davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX  Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX  in a phone call this was not my debt or credit card. I was told XXXX  would check with XXXX. XXXX  later told me in a dispute report that XXXX confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX  Credit Bureau. Both XXXX  and XXXX down-rated my credit. XXXX  XXXX XXXX cancelled my credit card. XXXX XXXX  down-rated my availability of credit. Portfolio Recovery Ass., LLC notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. Portfolio Recovery Ass. also informed me that the credit card was charged at a XXXX XXXX XXXX in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. Portfolio Recovery also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to Portfolio Recovery Ass. as I don't know how to do this by computer.
Consumer complaint received 2017-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation (MD)

I contacted this company for a short term loan, but it has become massive and they take my money any time they want, they took the money on  XXXX / XXXX / 2017  Friday, I had called to ask that this payment be put off for  a 2 we ek period, they told me it would be put off, but they hit my bank anyway, overdrawing my account, they pay date next is  XXXX / XXXX / 2017  but they took it early, and now my account is {$190.00} to the bad, and I have a text and pay schedule showing  XXXX   XXXX ,  2017 . This company does n't have to go by the rules then I do n't want to do business with them and they should be shut down. They took {$120.00} when they said they would not, then they took {$120.00} 2 days early, costing me {$36.00} in NSF fees   XXXX   times total {$72.00}. I call them and they are disrespectful, and you are there personal ATM. I asked that they not take anymore money, I only borrowed {$400.00}, and have paid that back and some.
Consumer complaint received 2020-09-02
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. (NJ)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2020-09-22
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. (TX)

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX ) XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (UT)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-08-07
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. (CA)

XXXX XXXX XXXX XXXX is reporting several student loans incorrectly and more than once. They show the following loans as " Paid was 120 '' when in fact I had submitted my deferral paperwork on time and had even called several times to follow up and was reassured that it was in process and that there would be no impact to my credit. Loans : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, These also transferred and are being handled by a different company. It is duplicated and incorrect.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I purchased a ladder online and paid using PayPal.The seller provided falsified tracking information indicating that I had received the item ( the ladder weighs approx. XXXX lbs. and the tracking information indicated that what was delivered weighed XXXX lbs. ) and PayPal took no further action saying that the item was received. Falsified tracking seller provided as evidence is attached.
Consumer complaint received 2020-09-21
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. (GA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-20
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: HYUNDAI CAPITAL AMERICA (UT)

I filed a dispute with the credit agencies about kia reporting 16 charge offs on my credit reports but this account # XXXX and the other loan that i have had with kia ending in XXXX on a XXXX XXXX These both need to be Included in Bankruptcy on my credit reports since they are in my bankruptcy kia failed to file these claim by the bankruptcy dead line so they are not getting paid
Consumer complaint received 2020-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We have a safety deposit box in the Bank of America XXXX MA branch on XXXX XXXX. We were not notified of the branches closure and we can not gain access to our safe deposit box which contains our car title and our money. We have sold the car. It is going up for auction tomorrow and we need to produce the title today. We have tried to get a hold of someone all week and have not even received a response. We will be responsible for the cost of the car if we can not produce the title. We also have funds in our safe deposit box that we need access to and Bank of America is not allowing access to our money. Their email box is full when we try to email. nobody returns our messages.
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/23 I agreed to and paid a settlement amount to XXXX XXXX XXXXXXXX on behalf of Midland Mangement group for 2 credit card debts for XXXX and XXXX. I continue to get calls from Midland Management about owing them the outstanding balance and they continue to dispute to XXXX that I still owe the full amount even though it was paid on XX/XX/23. It was closed by the courts and I have shared all of this documentation and yet am still being harassed by XXXX and they are dishonest in that I owe them any money as this has been settled. This company is by far the biggest scam and lies and should be closed down.
Consumer complaint received 2019-10-29
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: CITIBANK, N.A. (MA)

These are the remarks that is not accurate. It makes the reports inaccurate. 

XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK XXXX 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK 90 60 30 OK OK OK OK OK OK
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (NY)

JPMCB CARD opened a credit account in my name on XXXX XXXX2016 without my consent or authorization!!! I never signed any contract or document authorizing such agreement.The status of such account is charged off and the account number is # XXXX
Consumer complaint received 2020-09-21
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. (FL)

Several online disputes have been sent to EXPERIAN directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the XXXX XXXX Yet, EXPERIAN has repeatedly refused to remove the once deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts from my credit report. Additionally, they reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Consumer complaint received 2020-10-08
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. (FL)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2020-09-21
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. (RI)

Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Despite an account being closed for over a decade, Bank of America is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive
Consumer complaint received 2021-04-26
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. (CA)

FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TOXX/XX/XXXX? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXX, XXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

On XX/XX/2021, our banking account with XX/XX/XXXX had two unauthorized mortgage payments charged to our bank account. These charges were over {$4000.00}! We were on autopay for the last several years of which our payment processes on the XXXX of each month. XX/XX/2021 payment was processed on XXXX XXXX. The two erroneous charges were due to a glitch with the actual mortgage company 's payment processing system. This happened to thousands of customers. This matter was unauthorized and is an infringement on our rights.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I was not aware of this debt of {$110.00}. I contacted XXXX to cancel this policy via phone. I also stopped making payments. The vehicle I had insured at the time was not being driven as it has transmission issues. Once I received my stimulus, I was able to repair my vehicle. I then insured my vehicle again with another company. 

XXXX did NOT notify me of this remaining alleged balance and/or discrepancy BEFORE selling this account to the CCS collection agency. I also changed my residency in the chance that a letter WAS mailed from CCS. Nor am I required to continue to PAY for a vehicle that can not be driven! A few months later AFTER I fixed it, it was then TOTALED. I don't even OWN this vehicle anymore! I have included copies of my XXXX policy as well as proof my vehicle has been totaled/sold. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. I did NOT receive any correspondence from CCS regarding this debt! I had requested FULL verification of this debt, including copies of the previous notices that were sent to a VALID UPDATED address BEFORE this debt was reported to my credit! I have NOT received a response from the creditor to date! 

The ONLY thing they did was update my BALANCE to {$0.00}. I requested them to REMOVE the debt as it shouldn't have been reported in the first place. So now I have a negative item of {$0.00} sitting on my credit. I'm also a CURRENT XXXX customer now with my NEW VEHICLE so I am APPALLED that this is how CCS treats CUSTOMERS of their current business partners! I am really considering leaving XXXX over this! I guess I will have to send a " certified '' letter to XXXX when I switch so I can have " proof '' I cancelled my policy this time so a creditor won't claim I owe a balance on an UNINSURED vehicle.
Consumer complaint received 2019-10-29
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have had a fraudulent acct opened in my name with Kohl 's. They began reporting this acct to my credit report on XX/XX/XXXX. I called them several times previously to tell them this is not my acct and I never applied for the acct. They refuse to tell me the address where they sent the card but it was not at any of my addresses. 
XX/XX/XXXX I called to start the fraud application process again. They said it would take 60 days.I spoke to XXXX @ XXXX. 
I called back on XX/XX/XXXX to see the status of the fraud report. They said it was canceled and had wrong notes in the file. They said to call back the next week an they would fix it. 
I called again on XX/XX/XXXX, still nothing was done again they said fraud report was canceled. 
I called again on XX/XX/XXXX and spoke to XXXX XXXX XXXX. He updated my address and gave me a ref incident ID of # XXXX and also XXXX. I sent a letter as I was told this would be escalated to mgmnt. I called again XX/XX/XXXX and still nothing has been completed to resolve this issue. This is causing me not to be able to purchase a home and as interest rates rise I am being damaged more and more. I do not know what to do. A 60 process has been turned into a 120 day process with still no resolution and now they are sending me additional letters to pay the balance in full of {$500.00} whern I did not ever apply for the card and never had possession of the card to begin with. This is ridiculous and is costing me money on my mortgage interest rate as I am being held hostage by this dept store.
Consumer complaint received 2020-05-06
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: TRUIST FINANCIAL CORPORATION (MI)

Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit