davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
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: ProCollect, Inc. (MS)

While attempting to get approval for a loan to purchase a home, it was brought to my attention that there was a fraudulent collection on my credit report -- an apartment had been rented in my name in XXXX XXXX and reported to collections in XXXX XXXX in the amount of {$910.00}. On XX/XX/XXXX, I contacted XXXX via email, as well as, via phone call to begin the process of disputing the fraudulent collection claim. In addition, I reached out the apartment complex -- XXXX XXXX Apartments -- and expressed my concern regarding a fraudulent collection that had been reported in my name. The manager at the apartment complex invested the claim and told me that my name had not been reported by the apartment complex. On Monday, XXXX XXXX, XXXX, I filed an Identity Theft Report with the Federal Trade Commission. 

On XXXX XXXX, XXXX, I contacted XXXX to inquire about the status of my dispute. I was told that the dispute was still under investigation and that the reporting agency ( ProCollect ) maintained that I was the individual who had been reported by the apartment complex. I contacted ProCollect twice on XXXX XXXX and was told both times that my name and social were not in their database. The account number associated with the collection -- that was listed on my credit report -- -was in their database associated with someone else 's name and social security number. ProCollect vehemently denied reporting my name to XXXX because they had no record of me in their database. I contacted XXXX again on XXXX XXXX and shared this information with them. An XXXX supervisor insisted that ProCollect had denied the dispute on XXXX XXXX because they maintained that my name was associated with the account number. 

Neither agency is accepting responsibility for the fraudulent reporting of the collection on my credit report. I did not rent an apartment from XXXX XXXX in XXXX nor XXXX. If ProCollect has the account number that was reported listed for someone else, XXXX  shouldn't have placed the collection on my credit report. It is a fraudulent report and constitutes identity theft.
Consumer complaint received 2021-02-28
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. (TX)

XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XXXX of 2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

XXXX XXXX has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with XXXX XXXX. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

XXXX XXXX has no rights to collect in my state.
Consumer complaint received 2020-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (CT)

UNFAIR & BIASED. almost a 4 yr relationship, have my direct deposit setup, all is good. applied for their personal line of credit with XXXX XXXX, no late payments/collections/anything bad on any of my credit files. Declined after 5 days because of XXXX $ account fees charged to my 3yr past closed checking account ( apparently it took them 3 months to close it after i put in the request & they charged XXXX $ /month for the next 3 months for not maintaining minimum balance ), never received any form of communication regarding that, never even mentioned it when i went in to open another checking account few months later, i have a relationship going on with direct deposit setup, even received some pre approved offers. so, i disputed it, took them 7 days to remove it, i called in and asked for review since the initial reason for denial was  no longer valid, after 5 days i received a call saying they can approve it but - 1. i have to provide 47 paystubs from 3 different employers, ( like for a mortgage ) 2. pay off my XXXX ( 8 APR ) XXXX  loan. its like they found no reason to deny thus making it impossible to comply. under fair conditions no lender would ask to pay off a XXXX - 8.0 APR loan & 47 paystubs to approve XXXX - 11.5 % APR loan.
Consumer complaint received 2020-07-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I went online I was changing 2 XXXX XXXX XXXX and keep 1. T was deleted it. The next day l saw, it deleted, Personal Information : please see. I have to keep it. I tried to call them and it want let me. Experian Report number XXXX. I paid off my XXXX XXXX XXXX and going to buy a car. I need to change it back. 

Name XXXX XXXX XXXX Phone XXXX Cell XXXX Birth year Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2020-07-16
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. (IL)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc. (CA)

This debt collection company has found a loophole in the law. They reported to the credit bureau and every month they add additional charges ( interest or penalties ) and also report to the credit bureau so every month my credit is dinged by additional collections amounts owed Company is PROGRESSIVE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX for emergency room visit Had I been admitted after staying there 7 hours there would be no extra charges outside what insurance paid. 
This has been happening sinceXX/XX/XXXX
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (HI)

Authorized user purchased jewelry in XX/XX/2020. The cost was {$1000.00} for a " deposit. '' User did not receive the final product. She has never received the final product. 

I made a dispute with Citi and they found in the merchant 's favor. 

I wrote a letter to Citi to appeal, have not heard back. 

Willing to take merchant to court and have Citi employees as witnesses.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC (AZ)

XXXX is the company XXXX is the debt. I have sent multiple letters with return receipt to get proof of debt and they have failed to provide it. They also threatened to sue me so I started making payments not knowing if this debt is mine. They will not take this off my credit. I challenge whether I owe this debt. I got student loans and that should have paid the amount. I am challenging this debt as I do not believe I owe this company any money. They Ave failed to provide proof
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

this company put a account on my credit report, I never heard of them, I never received anything in writing from them. Just put on my credit report. I Called them to advised them been in past I was fraud victim and I never had a XXXX account at all. 
They told me to pay the bill or they would keep calling me about this call all day long and hung up on me
Consumer complaint received 2018-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have a credit card with XXXX with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. XXXX shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that XXXX ran a hard inquiry that same day on TransUnion which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.
Consumer complaint received 2020-06-30
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX XXXX {$520.00} XXXX/XXXX   XXXX
Consumer complaint received 2020-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MO)

On XX/XX/2020, I attempted to withdraw {$5000.00} dollars from Robinhood to my bank account at XXXX. Robinhood indicated in the failure email I was eligible to withdraw up to {$5000.00} to this account. Please refer to document A1. 

Through the next 2 months I attempted to withdraw the funds to my XXXX XXXX XXXX XXXX  ( XXXX  ) account and XXXX account resulting in a handful of failures. Document A2 includes one of the failures to XXXX. 

On XX/XX/2020 After going back and forth with support and getting them some documents to verify my identify Robinhood agrees to send me my money in 8-9 trading days. Document A3. As of  XX/XX/2020 I can see the money has not left robinhood. Document A4. Robinhood has ass
igned me this Case Number : XXXX. 

Please help me recover this money I have a wedding coming up and don't want to go into debt.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

When attempting to make a payment due XX/XX/2018, HSBC blocked my online account therefore was not able to get the address to send the payment to and was not able to make the payment online. I attempted to find the company address online and blindly sent in a check but they returned the check without forwarding it to the correct address. I also attempted to make a payment through their online payment system which would not accept my payment because they said it was past due. After hours of phone calls to numbers that I found online was was finally able to find an address to send a payment to and made the payment. 

HSBC made it near impossible for me to send in my payment timely and I have a missed payment on my credit report due to their bullying tactics. I will not dispute the late payment fee but would like the late payment removed from my credit report.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc. (PA)

I am a XXXX XXXX. The only business transactions I have are receiving my salary and sometimes buying home office supplies. I do not sell any products or anything of that nature. I just work on a XXXX basis. I have been using my N26 account for months as my primary checking account. I applied for a SBA eidl loan and put the N26 account down as the disbursement account because it is what I normally use for day to day transactions. However, I read my terms and conditions and saw the account can not be used for business purposes. To me, I don't use it for that, I use it to collect my salary and pay for our household needs. But I asked the SBA to change the account. They dispersed the loan before making the change. N26 returned it as fraudulent without even contacting me. I worked with the SBA to have it resent to my brick and mortar bank account. On XX/XX/20, N26 sent me a letter saying I was in violation of their terms and they would be reviewing my account to ensure I wasn't using it for business. I thought this was fine, because I haven't used it for those purposes, and I had explained to customer service that I tried to have the loan sent elsewhere. On XX/XX/20, I went to use my card, and it said it was disabled. I received no email. I talked to customer service. They could provide no information other than saying it was under review and I can not access my money during that time. All I wanted to know was how my money would be returned to me. They could provide me with no contact information and basically said we can hold your money as long as we want and you can't even speak to us about it. They ended my ability to chat with them. I have no way to contact them and they have over {$1600.00} dollars in the account. At this point, I don't trust them because what bank doesn't allow you to communicate with them while they are holding your money. I just want to know how to access the rest of the funds they are holding. I already changed my direct deposit.
Consumer complaint received 2021-02-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TN)

I got behind on my XXXX payments with Ally Financial. I was in communication with the company and made arrangements to bring the account up to date. After I spoke to them they started calling all of my family. They called my adoptive mother, my biological mother ( who I did not grow up with ) XXXX of my brothers, my brothers wives all on the same day, and when XXXX of my sister in laws did not answer the phone they called my sister in laws parents. They told my biological mother how they were getting the information to contact all of them. He said he paid for the phone numbers for all of the people that I might be related to our had possible connections to. 
They called my husbands family as well. They did not disclose the debt but they began asking questions about where I lived, how to contact me, who I worked for etc. which they already had that information. They did all of this on the same day in a mater of hours. My sister in laws live in the same home as their husbands and after they hung up with my brothers they called my sisters in laws phones. 
This is harassment and should not be allowed. Of course my family would know what was going on when every single one of them were called within minutes of each other. They might as well have told them I was past due. They all speak to each other so everyone knew they had been called.
Consumer complaint received 2019-12-11
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. (CA)

XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX  as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.XXXX XXXX
Consumer complaint received 2021-02-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am in receipt of your correspondence postmarked XX/XX/2021 from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, entitled " Notice to Mortgagor. '' As stated numerous times to no avail, I or my siblings ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) are NOT the mortgagors of the property you reference " XXXX XXXX, XXXX NY XXXX. '' You have sent this letter in error to my siblings and me. The Estate of XXXX XXXX XXXX, for which I am the executor, has no claims from XXXX XXXX, XXXX or Select Portfolio Servicing, INC, or any other entity for that matter. This letter is both false and fraudulent. Should you have any questions, please do not hesitate to contact myself. XXXX XXXX XXXX, Executor for the estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Please cease and desist all and any correspondence with my siblings and address any concerns to the XXXX of XXXX XXXX XXXX. Again, the XXXX of XXXX XXXX XXXX is unaware of any claims against the estate. As stated numerous times to SPS, the property you reference is not part of any security interest or debt and all claims of such have been denied.
Consumer complaint received 2020-04-30
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. (CA)

I believe this collection was opened in error with a name that is similar, this account is not mine. I believe that Experian, XXXX, XXXX did not proper investigate this matter. This account is invalid and contains multiple errors. 

The statue of limitations for this debt has passed, This creditor is not licensed in my state. 

I do not have a contract with this collection company.
Consumer complaint received 2020-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (CA)

As a XXXX XXXX XXXX in California who works as a XXXX XXXX, I applied for the Paycheck Protection Program through Chase Bank as soon as Chase had the application available. 

First, there was not one word for over two weeks, then the funds ran out. 

After Congress initiated more funds, Chase said I needed to reapply with more information, which I did. I have my own income and pay 5 independent contractors monthly. I re-submitted all 1099 's, my Schedule C, bank statements, and an income statement. 

They came back and rejected my loan application because they said they couldn't determine my payroll. All of it was right there, well documented in black and white. I am being discriminated against because my loan amount was minimal ( {$30000.00} ). I applied through another institution, but a couple of weeks later and the docs went through fine, but this was two weeks down the road. Chase chose to NOT process my application and sent it through to the SBA for funding. 

I hold Chase responsible if I do not get a fair chance at the PPP funds.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

I attempted to open a checking account with XXXX XXXX XXXX on XX/XX/XXXX and was denied because Chex System is currently reporting I owe XXXX   XXXX XXXX  XXXX {$250.00}. XXXX XXXX was included in my bankruptcy case and the debt was satisfied when I was discharged on XX/XX/XXXX.
Consumer complaint received 2021-02-28
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: SYNCHRONY FINANCIAL (NJ)

Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong