davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

Please note I have been working on a few accounts that have incorrect and out dated information reporting. Even parts of Experian 's response indicates the accounts should be removed this month but yet they still report. XXXX XXXX partial account number shows XXXX ... shows it was 180 days as of XX/XX/XXXX but nothing prior to that and it's a very old account. There are two XXXX XXXX both showing a partial account number of XXXX that actually state they are to be removed XX/XX/XXXX and yet they are still reporting. Two XXXX XXXX XXXX partial account numbers XXXX & XXXX should both be removed. Account number XXXX only show the account was charged off in XX/XX/XXXX but not when it initially became late. Note all of the above accounts the first delinquency occurred in XX/XX/XXXX there for making it 7 years. There is also a XXXX  XXXX XXXX account that shows the first delinquency in XX/XX/XXXX again past the statue and the partial account number is XXXX. I really need your company 's help with getting them removed due to the statue of limitations.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOGICOLL, LLC (WA)

I opened up an account with creditone for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from Logicoll LLC stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to Logicoll , LLC. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.
Consumer complaint received 2018-02-10
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. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

From XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX XXXX. There are two different high balances being reported, {$960.00} on XXXX and Equifax but {$0.00} on XXXX for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Today XX/XX/2020 I tried to transfer my PayPal balance to my checking account to pay bills. I do not have a Cell Telephone because I am poor. PayPal Inc. refuses to allow me to gain access to my money because I have no Cell phone.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (LA)

I have 4 unauthorized transactions that were processed on my card while I was hospitalized due to XXXX XXXX. 
XXXX - XX/XX/2021 - {$310.00} XXXX - XX/XX/2021 - {$100.00} XXXX  XXXX - {$160.00} & {$130.00} I have reached out to the banking institution and merchants with no luck.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from XXXX. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

navy federal froze my checking an saving accts XX/XX/2020, they stated they are doing an audit, with no answers an whats going on, i only got questioned about my SBA loan. They put me on hold to look up registration status while on hold i did the same an saw the listing with the Secretary of state showing i owned the business, they finally came back on the phone an stated they couldnt find me as the owner???????
Consumer complaint received 2018-02-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I received a letter from XXXX XXXX XXXX XXXX ( " XXXX  '' ) dated XX/XX/2018, which indicated that a debt owed to creditor XXXX  was owed in the amount of {$11000.00}. 

I do have student loans that are serviced by XXXX, but I am not in default of my payments to XXXX, have received no notices of missed or late payment from XXXX, and the amount ( s ) in the letter from XXXX are not related to my student loan amounts. 

XXXX offered a onetime payment of {$2200.00} to resolve the total amount allegedly owed of {$11000.00}. However, I do not owe the amount alleged in the letter, and this appears to be a fraudulent attempt to obtain a payment from me for a debt that is not in collection.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I do not have any agreement with Jefferson Capital Systems as well as received any notice to the alleged debt. Both actions from this debt collector are in violation with 15 U.S. Code 1692.

Ive attached a document that I have tried multiple times to get to Jefferson Capital Systems and did not receive any reply.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and XXXX never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed XXXX or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX is attempting to collect a debt originally from Capital One that has been paid and settled in 2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from XXXX XXXX illegally trying to collect on a debt already paid.
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Financial Systems, Inc. (VA)

This company repeatedly shared protected health information to the credit bureaus without a prior authorization of release. The medical diagnosis and procedures was sent not only to me, but to XXXX, XXXX and XXXX. This HIPPA Violation and FCRA violation is on going. I just recently found out that this information was also given to another agency as well XXXX XXXX XXXX XXXX, XXXX. The protected health information was breached more than 4 times that I have proof of.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020, a fraudster pulled an inquiry through XXXX in my name for a Capital One account. This has been confirmed through XXXX. I received a scam likely call the morning of XX/XX/XXXX, identifying as the Capital One fraud team for a new application. I did not answer or call that # back ; rather, I called Capital One directly, to which they indicated there is probably no application in my name, but their application team doesnt work on the weekends. About an hour later, I received an alert from XXXX ( via another credit account legitimately in my name ) indicating my credit was pulled from XXXX on XX/XX/2020 for an application to Capital One and another application to a different creditor. The additional creditor was able to decline the application immediately & request the inquiry be removed from my XXXX report. However, Capital One asked me to call back on Monday to talk to their new application department. Since there is actual fraud in my name with Capital One, Id appreciate this be immediately resolved.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

I have for 3 months now through fax, phone message and mail to1 get a copy of my credit report, 2 place a freeze on my credit report all through no avail .. I call daily 15 times throughout normal business hours to never get any one on the phone and the same message that they will call you back after a message is left in 24 hours to never hear from anyone or never get anyone on the phone .. same thing through fax and mail no response at all 3 months in XXXX how is this company able to operate? Sage stream is the company
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I had reported unauthorized transactions on my checking account with USAA in writing and never got a response and when I did receive a response after sending a copy of the original complaint my report was denied and when I asked for documentation used in the decision I was told over the phone that there was no documentation to send me which I thought was strange. I feel that my error was not handled correctly by USAA.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Complained about fraudulent XXXX charges and company failed to address my concerns. They apparently ruled summarily in XXXX 's favor without asking me for any information or advising me of their decision not to investigate the claim throughout the month of XXXX when the fraud was discovered. 

Waited 30 mins to speak with someone at this garbage company only to be transferred to a foreign representative who couldn't hear me. Of course, if they used a real phone instead of a tin can, then this wouldn't happen. Garbage company. Garbage product. 

Totally violated my rights under the Fair Credit Act and the Equal Credit Opportunity Act.
Consumer complaint received 2021-06-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

I reported to the XXXX  about the dealership ( XXXX XXXX XXXX , Fl . ) early in my term with the vehicle for shady tactics because I told them I didn't want the car nor did I think i could afford XXXX a month. The Financial Manager continued to show me his gold jewelry and assured me building my credit for nice things was the right move. and to " bite the bullet '' for about 3 months and make the payments and I could trade it in for something i really wanted. When I returned 3 months later I was told that manager was just filling in for that day and they had no clue what I was talking about. So that is when I reported them to the better business bureau for unethical tactics. Long story short I got nowhere with that and continued to pay the car bill for 20 months until I had it voluntarily repossessed because of the burden. I would call them every month to let them know of any address changes or places of employment so that they could recover the vehicle. Fast forward a year and a half and someone finally shows up at my door for the car. Months later I saw the XXXX XXXX dollar debt on my credit report, for a XXXX XXXX dollar car that I had paid on for almost 2 years. Never received any notice of auction sale, nothing. I need this off my credit report. Its been almost a decade and it is still haunting me.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DC)

on XX/XX/2021 I called the Banana Republic Synchrony Bank Visa CC to advise that I never received any communication regarding the bill being due. 

I spoke with a representative who stated that I must pay the whole bill in full, which was {$72.00}. This amount included a late fee of {$40.00}. The customer service representative stated that the {$40.00} late fee would be refunded, but that since the account was showing as past due, the entire amount had to be paid in order for the late fee to be refunded. I paid the {$72.00}. 

The {$40.00} late fee was never refunded. 

Since that time, another purchase was made, totaling {$34.00}. I should have had a {$40.00} credit on my account from the late fee refund, which would mean that I did not owe anything ; however, the late fee was never refunded which resulted in a balance and another late fee of {$34.00}. 

Now today, I made another payment of {$71.00} that includes this new late fee of {$34.00}. 

At this point, I have received 2 late fees that should be refunded. The 1st one being {$40.00} in XXXX, that I was advised would be refunded, and the 2nd one being {$34.00} which ocurred because the 1st one was never refunded as advised.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (TX)

I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery is attempting to collect a debt originally from XXXX XXXX that has been paid and settled in XX/XX/2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from Portfolio Recovery illegally trying to collect on a debt already paid.
Consumer complaint received 2018-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy. I am attaching supporting documentation to have these accounts reinvestigated. Transunion wrote they verified the account with a 3rd party, but did not identify the name. I called to inquire about who the 3rd party vendor was, and a Transunion representative REFUSED to give me the name. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore Transunion did not verify with them. I have verified with the court that they do not and can not verify anything with Transunion. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections : Chapter XXXX Bankruptcy unverified
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
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. (CA)

I called your department after I purchased a credit report with Experian.com on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX