davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (CA)

I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so
Consumer complaint received 2023-01-30
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. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX XXXX Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Consumer complaint received 2021-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (LA)

I keep getting collections from an XXXX XXXX  visit at XXXX XXXX. I am a military spouse and have insurance but they did not bill properly or send mail to my address. They sent to my mom and she said she only received a final notice. Ive been in contact with them and my insurance company. Yet I am still getting phone calls. Even the day I had my XXXX XXXX XXXX removed and XXXX XXXX  and couldnt talk due to XXXX. It is causing much unneeded stress.
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (SC)

Southwest Credit Systems is attempting to collect a debt for XXXX XXXX. I have disputed this alleged debt for several years. I have requested documentation of the debt, which Ive been told is not available. I have not done business with XXXX for well over 10 years, when I terminated services and returned the equipment. Everytime Ive disputed this alleged debt, the collection agency fraudulently reports this as an active account and changes the last transaction date to a recent date. This is adversely affecting my credit status and I believe this is an attempt to extort money I do not owe in order to improve my credit standing. XXXX unfairly accepts these accounts as verified and accurate, without providing information as to how these matters were investigated. Ultimately, the customer is harmed.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

Today I had wanted on this site https : //www.patreasury.gov/Unclaimed/no_records.html and it says this Claim Owner ( s ) Address Holder Name Property Type Dates Id 's Selected Property XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Paypal Inc Uncashed Checks Property : XX/XX/XXXX Reported : XX/XX/XXXX Property Id : XXXX and this Claim Last Name First Name M.I. City St Zip Holder Amount XXXX XXXX XXXX PA XXXX XXXX XXXX Under {$100.00} and I want to know how much is the uncashed check for and I want y'all to send me the uncashed check to me in the mail without me filling out a claim form on patreasury.gov website?
Consumer complaint received 2021-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

on XX/XX/2021, I applied for a 48-month loan for {$2000.00} and an estimated monthly payment of {$73.00} as advertised on XXXX. Additionally, I uploaded the required documentation ( copy of my earnings statement, social security benefit verification ) as proof of income. I received an email congratulating me on the approval of the loan and confirming receipt of the requested documentation. On XX/XX/2021 at XXXX XXXX  XXXX ( Onemain Financial ) called to review my loan application to finalize the loan request. Our call was lost. I called back and another agent answered and stated he was attending another customer and that he would give XXXX the message to call me. I did not receive a call so I called at XXXXXXXX XXXX. to speak to XXXX. He answered and said he would call me back in 10 or 15 minutes because he was helping a customer. XXXX called me back at XXXXXXXX XXXX he began reviewing my application with me and indicated that I was approved for {$9200.00} unsecured and {$13000.00} secured. I told him I wish to stick with the {$2000.00} loan request. At that point, his conversation changed with me. He showed a lack of wanting to continue working with me because I did not want the additional money. He was curt and unprofessional, so I withdrew my application, and he could not be happier with my decision. These are not ethical and good lending practices. My loan request was turned down because I did not want the additional money at their high-interest rate.
Consumer complaint received 2022-04-07
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights.

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I've been a Capital One credit card customer for over 15 years. It's unbelievable that although I've pleaded for assistance, no reasonable options have been provided due to Covid19. In the beginning of the pandemic in XXXX state shutdown, I requested payment assistance on all four credit cards with Capital One due to Covid19 unemployment. I was denied assistance on three of the Capital One cards, which caused the accounts to be in default. Rather than offer assistance, Capital One put restrictions on my accounts, and continued to charge late fees and high interest rates. Two of the cards ( XXXX and XXXX ) have been permanently closed due to Capital One failure to provide assistance. 

When I requested assistance several times for the closed accounts, Capital One representative informed me that there were no payment assistance available for my cards. Yet, the website contradicts this statement, and other cardholders were provided with deferred payment due to Covid19 ( see attachment ). Although Capital One provided deferred payments on the Walmart Capital One card, the delayed payment accumulated into an outrageous monthly payment ( {$720.00} min. ), with interest and late fees. I received an email from Capital One offering to work with me only with the Walmart credit card, but not one offer on the other cards were offered.
Consumer complaint received 2017-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (ND)

I have been contacted by Rausch, Sterm, Israel, Enerson & Hornik LLC ; a law office out of XXXX, Minnesota in regards to a debt that I apparently owe to XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX, XXXX. I have received a letter stating that I owed the amount of {$590.00}, and if I have any questions to contact them regarding a resolution dated XXXX XXXX, 2017. On XXXX XXXX, 2017 I was contacted at my home by an unnamed individual whom served me papers from the State of North Dakota -- XXXX XXXX Judicial District stating that I have been summoned and required to appear and defend this action, within twenty-one ( 21 ) days. This notice was dated XXXX XXXX, 2017.  Therefore, it is apparent that the judgement with the court was submitted before the notice to contact them was even drafted and sent out. As well as, there was no previous contact noted from XXXX XXXX or XXXX XXXX XXXX regarding the supposed debt. Therefore, I have had no notice that I had the debt against me. If I would have had proper notice I would have gladly setup a payment plan, or even paid the balance in full. However, now I am looking to seek legal consultation regarding this matter. There has not been proper notification regarding this debt and now they are using legal tactics that are threatening or otherwise demanding. I have tried to contact the law office and the original company multiple times, and I have reached no one due to the lack of information on websites and the sites that you must go through in order to even reach a site that states how to contact.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed an address on my credit report on more than one occasion and the address is still reporting on my credit report. On or around XX/XX/2021 I sent another request along with a Sworn Statement ( JURAT ) with a seal that states this is not my address and Experian ignored this request as well. They also did not provide any information that I requested to substantiate ignoring my previous and current request. I believe my Sworn Statement ( JURAT ) that can be held up in Federal Court is more than proof this is not and never has been my address. Experian received my last request on XX/XX/2021 at XXXX XXXX. I am not sure why, but I believe that Experian is biased towards me as they often ignore my disputes. XXXX XXXX is in charge of my account at Experian.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My wife and I applied for a chase card the is named United Explorer Mileage plus We did this as to get through to the baggage section on United website and be able to continue because it was t letting us go any further until we filled out the application di we did and we were approved for the card and {$5000.00} credit limit. Now we have had this card about a month and when my wife was shopping she went to use card for the transaction and was denied which shouldnt have been then we receive an alert regarding g is this your purchase and we stated yes. This was from fraud department now mind you we had not received any notices or anything regarding our account. Then we log in to the app. For Chase and it says account closed. Now I speak to them today and they say after a deeper review of our credit that they decided to close account. I feel this is extremely tacky. Chase should not be allowed to do this after we have had cards for almost a month now they close it after we used it I have never had to deal with creditors like this they use and angle to XXXX you on then after a month they close your account this is XXXX percent wrk g
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (CA)

I sent a check to Audi Financial Services to payoff a lease. They received the check on XX/XX/2021 and have not processed the payoff as of XX/XX/2021 and are requiring me to continue to make payments or they will report the account past due on my credit report. I have called 3 times and get the same response, yes, we received your payoff but the payment hasnt been processed so you have to continue to make the lease payments until the payoff is processed. Once the payoff is processed we will send your over payments back to you. I paid off the lease early so I didnt have to make the payments monthy. Now I am out the payoff amount and still making payments for an account I paid off!
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

I am a XXXX  customer. On XX/XX/2021, I was informed of a wide-spread security breach at XXXX on XXXX 's website. This breach affects XXXX XXXX customers and includes personally identifiable information such as social security numbers, credit card numbers and home addresses. I am trying to protect my credit by freezing my credit. However, due to technical glitches with Experian 's website and telephone systems, I was unable to place the freeze immediately on XX/XX/2021. Experian is asking that I mail information to their office in XXXX, Texas. Given the fact that criminals sell security numbers and other confidential information on the dark web for bitcoin quickly, I could become a victim before the items are received by Experian by mail and Experian 's processing times could be 30 days or longer. I want Experian to freeze my credit immediately to prevent identity theft.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

To whom it may concern, In response to your letter, which I received it on XX/XX/22. First and foremost, the account in question is paid in advance. Here are some questions that will explain my position. Therefore, I conditionally accept for the value your presentment and agree that I owe the amount indicated on your statement/note and alleged home loan, upon proof of claim that you can produce a valid contract making me liable ( Obligated ) for such a statement/note of a Bill and not a True Bill i.e. Invoice. So in order to confirm this, please provide the following ; If you agree with my determinations, I make timely demand that you notify me of the actions you have taken to correct your errors.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (TN)

I received an collection notice for an debt sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. I notice the money they said I owe the provider was more than the bill I Originally received. They had the bill for over XXXX and said there was a payment around XXXX approximately and left my remaining balance at XXXX. The bill I recieved from XXXX XXXX XXXX was only XXXX when I subtracted the payment from the amount of their bill I came up with an remaining balance of around XXXX. I did send a copy of the bill to the collection agency along with an letter stating they can not charge me more than what the bill is due to the Fair Debt Act and also showed them where in their own math the bill was not correct and I disputed the charges with them. I wanted to report them because I believe they are charging more than they should like they are trying to collect additional fees, and If they did this to me it is no telling what other people they did this too.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I bought my home in 2016 and when I went to look at report. My mortgage is not even on my credit. I can't get anyone from XXXX XXXX to answer my questions. I have had the loan in good standing for 7 years and it isn't even reporting. Also if I need to apply for any kind of line of credit saying I'm a home owner it looks like I'm lying which is fraud. I need this reported on my credit reports.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a member of the XXXX XXXX XXXX who was called to XXXX XXXX for a XXXX to XXXX on XXXX XX/XX/2019. I took my orders into the Navy Federal Branch in XXXX for an interest rate reduction for my credit card ans car loan with them. The lady took my orders and claimed she sent them over. It is now XXXX and I am still waiting for my interest rate reduction. I have contacted them numerous times, sent emails and messages via their website. I keep getting told they are back logged and they will retroactively adjust the payment. That is not the purpose of the act. I am supposed to receive an immediate interest rate reduction, which typically means a reduction in payment amount due to making less money when called to XXXX XXXX. This bank is supposed to cater to military members and they are the only business that has given me the run around. They claim they are backlogged by at least 6 months, which means many military members and their families are effected by this. I have had to use morale calls and free time to try and correct this, at times at the expense of my safety.
Consumer complaint received 2020-05-29
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: Pressler & Pressler, LLP (NJ)

I've been disputing inaccurate reporting on my credit report. XXXX XXXX keeps saying I owe a debt, but I've never done business with them or XXXX  XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MD)

I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-11
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. (CO)

This debt was paid by debt consolidation company XXXXXXXX XXXX XXXX  reported a XXXX balance to XXXX in XX/XX/2022. This company started sending a bill to an old address and I never received a balance on the account until it showed 90 days past due on my credit which then alerted me to an issue.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unity Asset Management (TX)

A man calling himself XXXX XXXX from Unity Assets called me saying that his client XXXX   XXXX ' XXXX  was going to file a judgement against me if I did not take immediate action. He made it seem as though he was the company 's lawyer and tried to get me to make a payment over the phone. He sadi the debt had been in collections and since I hadn't paid it they were filing a judgment. He put me on hold for several minutes to " ask his client about payment options. '' He had the last 4 of my social and my place of employment. the debt is legitimate, however as far as I know they've never sold it to collections. I told him I didn't feel comfortable making payments over the phone without seeing the payment agreement first he insisted I had to make a payment right then and that I couldn't possibly get the paperwork until I had done so. I told him I needed to think about it an hung up. I looked up the company he claimed to work for and found that they were not a real company and certainly not lawyers and that the phone number they used to call me was fake. The number he told me to call back did not connect to any company at all ( XXXX ). I believe he was attempting to scam me out of my money and not in any way actually affiliated with XXXX I don't know how he got my information but it's frightening. He won't stop calling and has even called my place of employment. It's beginning to feel like harassment.