davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2021-09-11
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: Self Financial Inc. (OH)

XX/XX/2021 {$26.00}, XX/XX/2021 {$26.00} on these dates I didnt pay an was charged a late fee. How when a finance charge is being collected under my rights have been violated under these statues 15 usc 1692d, 15 usc 1692e. Ive repeatedly told the company to remove the negative reporting from the consumer reporting agency
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I initiated a transaction online using MoneyGram. The Transaction was declined and online profile closed. Customer Support refused to explain why account was closed and transaction cancelled. Every month I send money to family and friends in XXXX, XXXX XXXX XXXX XXXX, XXXX. 

Kindly assist with getting an explanation. Thank you.
Consumer complaint received 2018-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY TOYOTA MOTOR CREDIT CORPUSD XXXXI DO NOT OWE ANY MONEY TO TOYOTA. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

1 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$18000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$2900.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF THE 2 AFOREMENTIONED ACCTS. WERE NOT CHARGE-OFFS. BOTH ACCTS. WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY XX/XX/XXXX. PLEASE ADJUST RECORDS ACCORDINGLY ... .THANK YOU
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2017-11-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intercoastal Mortgage LLC (VA)

Good morning, Last month, I applied and received a mortgage from XXXX XXXX. Prior to apply, I asked Mr. XXXX XXXX over email, if XXXX XXXX sold mortgages to XXXX XXXX, XXXX XXXX or XXXX and he said no. I explained to Mr. XXXX that I do not wish to deal with this group based upon past performance and harassment from members of this group. I told Mr. XXXX that if they conducted business with this group, I would have to decline the mortgage. Mr. XXXX lied about his association with XXXX XXXX XXXX XXXX aka XXXX XXXX. This group steals from Veterans and falsifies credit reports. 

Today, I received a call from XXXX XXXX stating that my loan was transferred to XXXX XXXX and I discontinued the called. I am requesting a reversal of this transfer. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (TX)

I have been waiting for the investigation results from Equifax, XXXX and XXXX  regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.
Consumer complaint received 2017-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (VA)

I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was pulled over with no injured party besides that the officer is not bonded in XXXX TX breach of contract to steal my trust I reviewed the bond on the Treasury calculator $ XXXX I want my bonds it mature in XXXX I claim my property fraudulent charges not reported 15 USC 1681 criminal acts
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (NV)

The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( nca ). The repeated collection charge off is for XXXX ( XXXX  ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?
Consumer complaint received 2017-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (VA)

I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 
I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.
Consumer complaint received 2019-03-08
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: Ad Astra Recovery Services Inc (TX)

XX/XX/2018 - I sent a letter to have Ad Astra please remove the collection on my account because I was a victim of identity fraud and the account wasn't mine. 

XX/XX/2018 - They replied with a letter stating that it was my account, which is false.
Consumer complaint received 2017-11-29
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 — Problem with personal statement of dispute
Company: AES/PHEAA (FL)

To whom this may concern, I 've been trying to resolve 6/24/17 7/30/2017 the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I have a paypal credit card through Synchrony Bank. 
I have been unable to see my account for the last 8 months. 
It disappeared from paypal website. 
There's no independent site login from Syncrhony Bank to see my account. 

My chat contacts with support has been a waste of time with no understanding and just repeat of things I had done. 

I want to have access to see my account to independent website from Synchrony like all their other credit cards. 
I want the finance charges for last 8 months be removed due to my inability to see my account and pay on time to avoid very unusually high interest APR.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IN)

My XXXX XXXX . auto claims report erroneously lists me as the vehicle operator for an accident that occurred on XX/XX/XXXX. I am in receipt of a letter from XXXX XXXX showing that this erroneous information was considered when calculating my insurance premiums. 

I called XXXX on XX/XX/XXXX and was advised that my dispute would be investigated. As of this afternoon, the error remains on my report. 

I called XXXX this afternoon, XX/XX/XXXX. I was told that XXXX XXXX has confirmed that the information I disputed was incorrect. The agent was unclear why this information remains on my report, but promised to have his company 's investigators review the file. 

I would like this error corrected and new copies of my XXXX XXXX report sent to me and to my insurance company.
Consumer complaint received 2022-09-10
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. (CO)

This original complaint XXXX was closed by CFPB and was never even sent to the company. 
This is NOT a duplicate request. I do not understand how you can close a complaint and say it was already processed when Ive never placed a complaint before. 

Please review and investigate My complaint XXXX and if you find that there is a duplicate prior to the number stated above, send me verification of this.
Consumer complaint received 2017-11-29
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: Credit Plus Inc (PA)

My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX  XXXX XXXX XXXX Card
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX I tried to log into my American Express Bluebird prepaid account and I was not able to log in. Then I had called and the automated system told me to check my email as my account was suspended. I checked my email and it said my account was suspended due to fraud. I had this account 6 years and I never committed fraud. They rejected my fianc 's stimulus check and his tax refund. I called and they said to write a letter. To which no response was received. All I want is for them to reject my direct deposit send it back to my employer. Close my account and send me a check to the address on file for the remaining amount in my account.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

I get approximately 8-10 calls a day not 3 mins goes by and they keep calling some calls from unknown number and other numbers appearing from out of state the numerous calling throughout the day is ridiculous and has reached harrasment morning afternoon day and night calling
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (CO)

I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

An individual left me a message stating I have a civil matter that required immediate attention. I returned the call and was connected with a gentleman a XXXXXXXX XXXX XXXX claiming that this is a law group that has petitioned the court to garnish 30 % of my wages for an {$880.00} that was sold to XXXX XXXX by Capital One in 2008. This gentleman says from that {$880.00} balance and court cost, I now owe {$6600.00}. I explained to him that I was not aware of any judgment and had not received any communication via mail. It really concerned me because I cant afford to have 30 % of my wages garnished so I asked if we could work something out. I researched the company and him some questions about the company. He claimed to be the paralegal at this law firm XXXX XXXX XXXX His aggressive tone and the fact that I didnt want my wages garnished, I agreed to a payment plan because I felt pressured to do so. I submitted a {$50.00} payment via debt card over the phone and was sent a XXXX that stated my next payment would be for the full amount agreed to {$1800.00} this is the amount he said I owe before they petitioned the court. The XXXX was also authorizing a law firm in Florida XXXX XXXX  to collect payment. When I got off work I began to look into the statue of limitation and the XXXX  to get more information on this company. They have called and text me today from random unknown numbers because I canceled my card as to not allow them to collect funds. This debt is nearly 15 years old. I believe this is a scam. This XXXXXXXX XXXX XXXX is not willing to send me anything in the mail showing that legal action has been taken.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

I filed a claim to dispute charges posted to my account which I did not authorize or receive, and hours later was notified only by email that my account was going to be terminated indefinitely and did not give any reason at all. On XXXX XXXX I was denied my ATM withdrawals and received nothing, but the following amounts were posted to my account ( {$210.00}, {$200.00}, and {$220.00} ) on XX/XX/XXXX, The charges officially posted, and I disputed them with agent XXXX via telephone around XXXX XXXX ( EST ). On XX/XX/XXXX, at XXXX XXXX, I received an email notifying me of my account closure and my account ineligibility to receive my disputed posted charges back as a result even when I have emails from Chime saying those ATM withdrawals did not go through as evidence
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXX XXXX XXXX will not update my account I 've called several times an was told dates about my account being updated my car was totaled on XXXX XXXX, XXXX. Today XXXX/XXXX/XXXX was suppose to be the day when the bureaus was suppose to be updated on my balance on my account gap insurance, primary insurance an warranty company have all paid amounts on vehicle. The XXXX insurance company paid XXXX issued XXXX/XXXX/XXXX payment was processed by XXXX. Gap insurance paid XXXX processed on XXXX/XXXX/XXXX. XXXX made a payment received by XXXX in the amount of XXXX an XXXX XXXX/XXXX/XXXX. Still have yet to see balance updates. Two of the payments I never received a email had to call in and make sure they had them and they did but I keep being told 5-7 business days to update to my account which has not been updated since XXXX XXXX. This is hindering me from getting another vehicle. The balance on the account is still showing XXXX which is incorrect.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WV)

I paid my balance in full, they continued to charge interest. When I called to inquire why interest was continued to be charged on a card with no balance, they said they made changes, I spoke with a supervisor who when I inquired about the interest being charged after balance was paid off I was told 2 different stories. I was told interest was charged daily then I was told it was charged monthly. I told them I wanted my balance paid again in full and I wanted the account shutdown. She said she would wave any future accruing interest and close account. I was never advised of any changes to the way they charged interest.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.