davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

A purchase was made at the Macy 's store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from Macy 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. Macy 's made no attempt to contact me about the account balance. Macy 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue Macy 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with Macy 's.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (LA)

These two accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXX Credit Card Account # XXXX, XXXX XXXX loan Account # XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (CA)

Source RM sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX XXXX in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and Source RM should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.
Consumer complaint received 2022-09-09
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NY)

On XX/XX/2021 I wrote a letter to key bank asking to remove my account from XXXX XXXX, however they failed to respond and have not removed the account. The account was in a chapter XXXX bankruptcy over a year ago.
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Figure Technologies, Inc (OH)

Applied for a XXXX loan with this place. Went through the entire process. Was approved and the final thing that need done was possible employment verification and a phone call to confirm I was who I say I was. Got a call the next day and was told my amount was reduced to XXXX. Said the income amount of XXXX was not enough for the loan amount I requested. That would have been 5 year loan, with XXXX  monthly payment. Credit score was not an issue, debt was not an issue, income was not an issue. They totally fabricated the reason they gave that my income was not enough to qualify for the XXXX. This is a total lie and not a valid reason to be denied.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC System provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this  account. 

Please provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

To Whom it  may co ncern This my third time complaining about this company. However now since I started paying ahead of time to eliminate some interested, the company decided to raise the rate. Wow, By the time I get done paying them I would have paid  XXXX  on a total of  XXXX  Loans I took from a school (  XXXX   XXXX   XXXX   ) th at no longer exist. If that is not loan sharking I do not know what to call it. Since my last complaint I have started paying early. Now I am a month ahead almos t  XXXX  o n my payments and I get  this bomb d ropped on my, that my interest rate has increased wow. if this is not modern day  XXXX  I do not know what this is.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NY)

I had a phone bill sent to Receivables Performance Management for collections in the amount of {$370.00}. I called to pay my bill and they settled for {$200.00} dollars. They told me i could make two monthly payments of {$80.00} dollars and on of {$48.00} in 3 consecutive months on my first call to them. I paid the two payments of {$80.00} dollars each month and went to settle the remainder. They then told me the settlement never happend and i would have to pay the rest of the full amount and the two payments i made were just good faith payments. I said this was untrue and asked the phone call to be pulled from the initial XXXX XXXX call. The company stated this would take 48 hours and they would give me a call back. They never did and when i called back, i keep getting transferred to the " management department. '' The phone just rings or disconnects each time and i have to explain the situation all over again. For 3 days i have been told i will receive a call back later from a supervisor and i have yet to receive a call. I told them i would file a complaint and they hung up on me
Consumer complaint received 2017-07-12
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. (IL)

I have opened disputes with all three credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. XXXX and TransUnion have not removed this account from my report, XXXX has. I also do not have any contract with the collection agency that is listed on this report.
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: EQUIFAX, INC. (KY)

Equifax is using the same Hard Credit Inquiries more than once? They recently listed inquiries from XX/XX/XXXX and another from XX/XX/XXXX. The result of this was to lower my Credit Score from Excellent to Good!
Consumer complaint received 2017-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (OK)

PayPal has three accounts with my name and telephone number. 
One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. 

I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing , Inc has declined assistance and will not review the workout package that was submitted. The reason for the default was because of the divorce and the ex-wife was living at the property without making any attempts to make payments has she was responsible. I have intentions of keeping the property and would like to be reviewed for a modification assistance and also a principle reduction as my property value its very low with a high principle balance.
Consumer complaint received 2024-01-30
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. (FL)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required 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. 

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 



Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS UTILITY SELFREPORTED Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : $ XXXX-Late/Open Late Date XXXX
Consumer complaint received 2017-07-12
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: AMERICAN EXPRESS COMPANY (CA)

My name : XXXX XXXX I have credit card with American Express ( AE ). card # XXXX My dispute with AE was charged to my card for {$12000.00} without my authorization by XXXX XXXX XXXX. <P/>I was use XXXX for different job, it was paid with AE card. I use them for other job for repair the roof, this time the job was not complete, and repaired was not according what we specify, after repaired the roof still leaking, we call them many time to fix the job correctly, XXXX never come back to do the job.. XXXX using my pervious card information to charge my account, I did not know until I received my statement. <P/>My reasons for dispute 1. Charge to my card without my knowledge should consider as stolen. 2. I am not satisfied with job ; I should get my money back. This American Express card has advertising all the time. I do not understand why AE need to investigate?
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

Online order from XXXX for the amount of {$100.00} on XX/XX/2021 WAS NEVER RECEIVED. I have called numerous times to advise Credit Card company as well as merchant. CC continues to charge me for an item never received.
Consumer complaint received 2019-03-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NJ)

i opened a loan and investment account with them back in XXXX of 2018. i ran into financial issues in XXXX due to job changes. i know i had enough money in my investment account until i got my money right to cover payments. i called them dozens of times to have my investment account put towards my loan and was told every single time " that's no problem, we will just need to have a supervisor contact you back to do so. well a supervisor never called me back after any call, anytime i requested one, one was never available. now they are reporting negative payments on my report while i have been doing nothing but trying to resolve the debt and their negligence is causing it to be later and later
Consumer complaint received 2017-09-13
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. (CA)

I was impacted by the XXXX security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On Thursday, XX/XX/XXXX, Chase shut down all of mine and my wife 's accounts without notice. In total, we have lost access to a personal checking account, business checking account, saving account, and two personal credit cards each. After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : " The banks exercised its right to shut down your accounts in connection with another account that you [ the account-holder ] have closed. '' We did not close down any of our accounts, however, and so the bank 's explanation can not be true.
<P/>
After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all XXXX. At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

I received a credit card in the mail, Citi Master Card that I do not recall applying for. If I did apply for this card, I still do n't want it. I called XXXX and asked to have the card cancelled. I was told I would be on hold for 2 minutes so the man could do this. After 20 minutes of being on hold I hung up and called again. This time a woman told me I needed to identify the password I created that started with the letter " B ''. I never created a password for this credit card, and have never created a password that starts with " B ''. I assume that preventing people from cancelling credit cards is against some law or regulation and would like to file a complaint against this company for preventing me from cancelling this credit card. Thank you.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have filed over  3  online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone  carrier  for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.