davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-03
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. (TX)

Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Experian is presently reporting ( 2 ) instances of this account on my credit file. Experian is in violation of state and federal law in doing so. I demand that Experian delete BOTH  instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Or, delete the > 30 day late payment reported for XX/XX/XXXX. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is unnecessary and is adversely impacting my credit score. Also, reporting the XX/XX/XXXX as late is also adversely impacting my credit. Please delete both instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ) from my Experian credit report immediately.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX credit card accounts with Bank of America. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Bank of America does not respect my privacy. Texting costs me money
Consumer complaint received 2017-06-08
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. (CA)

I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX    XXXX   account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX   XXXX  statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?
Consumer complaint received 2015-07-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

Navient 's Office of the Customer Advocate promised to lower my private loan payments to approximately $ XXXX in XXXX 2015 by extending the terms of my student loans to XXXX years ( up from XXXX ). Last month, my payments were raised to $ XXXX with no warning or notice from my servicer. The interest rates have remained the same, but the agreed amount has been changed without my consent. This is the XXXX complaint I 've filed against Navient, the first was through the CFPB, then with the XXXX. Loan payment history in the online portal for Navient does not show sufficient information about the previous loan payments. The documentation attached to this complaint are screenshots taken of the ACH withdrawals made by Navient as well as a view of the Navient account history and how the payments were accepted without exception. MICR numbers can be provided at the investigator 's request to better correlate events as well as ensure that no screenshots are doctored or tampered with in any way.
Consumer complaint received 2017-06-22
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: STERLING JEWELERS, INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   2013  30 days past due as of  XXXX     2013  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.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states i have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I was initially looking to purchase a XXXX XXXX XXXX as a present for my wife and I was able to find an affordably priced one through XXXX XXXX. I asked the seller if they would be able to accept payment through XXXX, which I know would be protected a little bit through their payment processing. He said that he is Currently having some issues with XXXX payments but we could try it. After that did not correctly process he advised that we could use cash app to be able to transfer half of the money so that way he could cover shipping and once he provides me a tracking number, then I can send the rest of the funds. 

I send {$130.00} through cash app and he advises that the package will be to me by Wednesday and I have been unable to get a hold of the gentleman since. 

I then create a dispute with my bank at XXXX XXXX XXXX XXXX in Michigan, and they advise me that due to cash app and me authorizing the transfer of funds that they are unable to do anything with their dispute process, and to reach out to the company cash app for resolution. 

I created a dispute with cash app, where they effectively tell me that there is nothing that they can do, and that their platform is only for sending money to known individuals. Their dispute process allows me to request a refund from the individual who took my money who has XXXX incentive to send it back and once the individual declined the refund cash app says that they tried to get their refund and theres nothing else they can do. 

I even tried to do a chat with two different individuals, who just kept providing me a copy and paste response that I need to resolve this matter outside of cash app and cash app doesnt have any policies or procedures to be able to protect consumers for product purchases.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Per 15 USC 1681, Experian, XXXX and XXXX refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802. 

For all information reported on credit report, I want companies and XXXX XXXX removed from report.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

I HAVE REC EIVED 15 CA LLS SINCE MONDA Y (   XX/XX/17    ) FR OM CONN 'S  THEY ARE CALLING FROM  XXXX  THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME  XXXX  A DVISED THAT I AM NOT  XXXX  AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO  NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE  MADE 15  CALLS TO ME SINCE MOND AY (   XX/XX/17    ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-10
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Schrier, Tolin and Wagman, LLC (MD)

XXXX   XXXX   XXXX   XXXX   XXXX   ( Attorney 's Firm  : Schrier, Tolin & Wagman l ocated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However,  XXXX  has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX   County  and the case still opens. In addition,  XXXX  has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.
Consumer complaint received 2017-07-25
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: MARINER FINANCE, LLC (GA)

XXXX   XXXX     2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run my credit.
Consumer complaint received 2017-06-23
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. (PA)

My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are 4 unauthorized hard inquiries reporting on my Transunion and XXXX XXXX reports from : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
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. (MS)

We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX    XXXX , MS . I contacted the Judgment Court and was t old that  XXXX   XXXX  would have to notify them that the Judgment was satisfied. I filed a dispute with Equifax Credit and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to state  Amount Satisfied. I  have been unsuccessful having this changed by   XXXX   XXXX    and the Judgment Court  in  XXXX    XXXX , MS .
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

On XXXX XXXX- opened a collection. 
Account -- NCB MANAGEMENT SERVICE {$8000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus.
Consumer complaint received 2019-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Called Capital one on XX/XX/XXXXto inquire about a late payment reported without my knowledge or consent back in XX/XX/XXXX. I've just recently became aware that I was an authorized user for my mothers account. Mother was two months past due, instead of calling both people who are accredited to the account they only notified or tried to reach my mother. Reported me as being two months late without any notification. Would like these charges removed and would like to be notified in the future if the balance is past due so I can avoid this from happening again. Thank you so much in advance
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

I was a XXXX TV customer then was changed to XXXX. They were so bad I cancelled the service and paid a balance due of {$150.00} on XX/XX/XXXX, I spoke  to a person named XXXX. Apparently, between the time XXXX credited my account they charged me {$59.00}. I received a letter dated XX/XX/XXXX claiming I still owed {$59.00}. On XX/XX/XXXX I called and spoke to a person named XXXX who told me I owed {$5.00}. I then received a collection letter from Credit Control Corp. on XX/XX/XXXX that I owed {$59.00}. On XX/XX/XXXX I contacted XXXX at Credit Control and attempted to explain what happened but she was so confused I hung up and decided to contact the Consumer Finance Department to help.
Consumer complaint received 2017-06-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (GA)

Hi I am writing you this letter in regards to a collection account that appears on my credit report. The account that I am having concerns about is the American Credit Acceptance Account well first the account is reporting incorrect information as far as the balance on the account which is reporting that the balance is In the amount of {$13000.00} as of XX/XX/XXXX now the original amount of the debt was in the amount of {$6300.00} now with all of that being said back in back in XX/XX/XXXX of XX/XX/XXXX this particular item was disputed on all three of my credit report and was removed onXX/XX/XXXX. Just recently was checking the information on my credit report and I am noticing that the account with American Credit Acceptance was put back on my credit report and with an higher amount than the original amount without my knowledge.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

Went online to request my free credit report from Equifax. Message reads unable to complete without any reason given and to mail in request. I mailed three different times each time getting a letter from Equifax statibng they need the same information. I want a copy of my free credit report.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

In  XX/XX/XXXX    Freedom Mortgage became my mortgage provider. I immediately went to their website www.freedommortgage.com where I made all my monthly payments.
<P/>  And then sometime in  XXXX , I received a letter from them advising me that they were taking back the loan service from a loan servicing company. This did not make any sense or difference to me because my payments have always been made and will continue to be made from the same online portal.  <P/> My payments have traditionally been due between the  XXXX  and the  XXXX  of the month. I have never made a late payment ever. See attached payment history.  <P/> So, on  XX/XX/XXXX  I went on the portal and scheduled my payment for the month of  XX/XX/XXXX  as  I have done for all other months prior.  <P/> Unbeknown to me, that is whe n Freedom Mortgage claimed to have taken back the management of my loan from the servicer. In the process of their transition, that    XX/XX/XXXX payment scheduled against my  XXXX  mortgage was never drafted from my account. All of this was without my knowledge.  <P/> At the end of the month of  XXXX , I submitted my payment for the month of  XXXX . That payment got taken for the month of  XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for th e one of    XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month  XXXX , that payment got taken for the   XX/XX/XXXX  In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for that of  XXXX .  <P/> In  XXXX  when I submitted my payment for the month of  XXXX , the payment got taken for that of  XXXX .  <P/> It was not until the month of  XX/XX/XXXX that I realized that the initial payment that I had submitted for the month of  XXXX  was never drafted that I went ahead and made a double payment for that month.  <P/> In the meantime  , Freedom Mortgage has been reporting my payments as late to the credit bureaus.
<P/>
My question to Freedom   Mortgage is this : Was there a payment scheduled on  XX/XX/XXXX  If so, why was that payment never drafted?  <P/> Ano  ther commons sense question I would like to ask Freedom Mortgage. Why couldnt it dawn on them that in all my payment history, I have never been late and that this is due to their confused transition?
<P/>
My contention is that Freedom Mortgage is unduly penalizing me for what seems to be their own internal confusion and I will like for this to be fixed.