davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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: Consumer Adjustment Company Incorporated (OH)

XXXX has marked my account down for XXXX points for a new collections account being added. Consumer Adjustment Co is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think Consumer Adjustment Co has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is not my first attempt to have this problem resolved. Upon my last request the company said that they sent a letter to my address which I di not receive anything. Nor has the credit reporting agency responded back with investigation report or findings. This has been well over 90 days and no one has responded. I asked this company for a contract verifying that this is my debt and that I have a debt owed to them and they stated they sent something in XX/XX/XXXX which they did not. So I know there's no way the CA can have anything as well. If this matter does not get resolved I will be seeking legal action because this is fraud and the information being reported on my credit report is incorrect and I have tried will over 90 days to have the issue resolved with both company 's.
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (CA)

Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Rise of our finicial hardship. We ask Rise to work with us and informed Rise of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Risecredit to work out new repayment terms. We were unable to to Pay the Current 199 % rate on our loan and we were unable to Pay {$260.00} twice a month, which were deducted out of my bank account every pay day. 

I asked Rise credit for a copy of my loan agreement, and let Rise credit know my loan documents were taken off line and I did not have a copy of my loan agreement. 

I also let RiseCredit know I felt their lending falls within the guidelines predatory lending ... Do to the following at the time I applied for the loan ... 
My credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate of 199 %. 
Rise has also threatened to sue me and refused to work with me. 
I have not been provided a copy of my loan agreement I have not recieved a default letter by mail nor e-mail Rise responded by, stating my account would be refered to an attorney and I would be sued for the remaining amount I owed on my loan. 
Rise refused to work with us in regards to our documented finacial hardship. 

Rise is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by RiseCredit I feel RiseCredit took advantage of a Veteran who had a credit score of XXXX when I was provided a 199 % on my loan and with excessive payments {$260.00} twice monthy equals {$530.00} monthly. 

I will add I was never sent a default letter my email nor by mail, RiseCredit is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
Consumer complaint received 2020-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Good morning, By XX/XX/2021, my computer was infect and compromised with a malware hack program. It create a local user XXXX. With that user, the person that commit the fraud was able to get access remotely to my computer and my accounts logins credentials. He did several transactions on different platform including my Navy Federal Checking Account.

Navy Federal : They login into my Navy Federal account, open the XXXX application using my Navy Federal checking account and send over a {$650.00} payment to someone I do not know. Nobody from my family or I did not made or approve this transaction. Navy Federal give me a partial refund but it was reject on the investigation process and charged back. I require a dispute action but Navy Federal also reject credit back the fraudulent charge. They said that the system show that it was made from my computer. 

I explain everything to Navy Federal including screenshots of the others account that were compromise and solved from others creditors. Also Navy Federal know that my account was compromised because they change my checking, saving and credit cards twice on that week. What Navy Federal say is the same information I provide as the fraudulent method used. I did not made or authorize the money transfer. It this not supposed to be covered by the FDIC insurance? 

Others compromised accounts and actions was : 1. XXXX : They did three trade-inn items, XXXX provide a gift card balance and they use that balance to buy XXXX codes. They quickly exchange the XXXX codes. XXXX flags those transactions and have I dispute thru my credit card company. When the credit card company review the case with XXXX, they acknowledge that was a fraudulent transaction and revert the charge from my credit card. 

2. XXXX : They login into my XXXX bank account and made a transfer to XXXX stock application for {$900.00}. I was able to get it canceled by XXXX and refunded the money. 

3. XXXX : They login on my XXXX account, buy games and extras codes. I contact XXXX support and they refund the money to my credit card that was on file. They see there was 6 fraudulent charge transaction. I did not buy from XXXX online store and the items that was buy did not show up as being use or on my XXXX device/account. 

4. XXXX : They did a XXXX loan. I see it on my credit report. I have contact XXXX and started an investigation that still in progress.
Consumer complaint received 2021-02-27
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: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Finance, XXXX XXXX XXXX, 36 month lease, started on XX/XX/XXXX, {$490.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date. 

Kia Finance, XXXX, XXXX, 36 month lease, lease started XX/XX/XXXX, {$220.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date.
Consumer complaint received 2021-10-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (FL)

Correspondence was sent to  CapStone Credit Services  on  XXXX / XXXX /   2016 inquiring about a {$380.00} debt reported to  XXXX ,  XXXX  &  XXXX . I requ ested information regarding the facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for CapStone to c ontinue reporting this debt.
Consumer complaint received 2024-05-06
Product: Credit 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: U.S. BANCORP (TN)

I received XXXX identical credit cards from US Bank using my name. Same acct number, expiration date and security code. None of these cards were requested. Nor have I ever charged anything to XXXX of these cards. The card number ended in XXXX. 

XX/XX/XXXX I received notice that that card was cancelled, AFTER THOROUGH REVIEW by US Bank, due to suspected fraud. 

On XX/XX/XXXX I spoke by phone with " XXXX '' of US Bank who said " everything is shut down ''.. 

On XX/XX/XXXX I was notified that the acct was past due in the amount of {$59.00}, with a balance of {$5900.00}, I assume that the {$59.00} was a late charge because I didn't pay for fraudulent charges ; and I never will. 

Also on XX/XX/XXXX I spoke by phone with " XXXX '' of US Bank to explain, once again, that ALL of these charges were fraudulent. I believe she understood that I had no intention of paying fraudulent charges, or late fees on such charges. 

During XXXX XXXX I received XXXX separate written communications from US Bank regarding request for credit in my name. There were no duplicates. The requests included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank KNEW/OR SHOULD HAVE KNOWN that charges on credit card ending XXXX were fraudulent. If US Bank searches their records using my name and address they will find all of these communications. So hard for US Bank to claim ignorance of the fraud. 

None the less US Bank has attempted to get me to pay for the fraud. To add insult to injury, they have also attached late fees and interest. They have also reported the acct to credit monitors as delinquent. 

XXXX closing on XX/XX/XXXX had a previous balance of {$6000.00}. Statement closing on XX/XX/XXXX showed a previous balance of {$2600.00}. Apparently US Bank is finding some fraudulent charges and deleting them. However, ALL of the charges on acct XXXX are fraudulent and should be removed. 

The last payment I made to US Bank for legitimate charges ( on a different card ) was in XXXX of XXXX. To be clear, I have not charged anything to a US Bank credit account since XXXX of XXXX. Further, I have no intention of paying for fraudulent charges ; and US Bank should not expect me to do so. 

Apparently US Bank thinks I should pay or they were try to damage my credit rating. Credit rating on XX/XX/XXXX was XXXX per US Bank via XXXX. Not that high now. Thanks US Bank!!
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (CA)

I am a member of XXXX and XXXX XXXX XXXX XXXX XXXX was advised of this and not to bill me. I provided them both my XXXX and XXXX information on 3 occasions. They have now sent me to a collection agency, CBCS, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX, Account # XXXX for {$1100.00}. I spoke to XXXX on XX/XX/2020 at CBCS and advised her I was XXXX.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXX a payment on the XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXn the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.
Consumer complaint received 2024-05-02
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I have an account in XXXX. I pay it each month as a direct charge to my checking account. My American Express card is being charged {$30.00} by XXXX. I started a XXXX dispute today as the first one was never credited and the charges have continued. I have contacted XXXX and after HOURS they found the duplicate account and I have being charged since XXXX using an American Express card that expired in XXXX. I am frustrated that American Express continued to allow XXXX to charge my account each month with an expired card, refused my first dispute and have caused me to spend hours and hours resolving this issue.
Consumer complaint received 2018-02-02
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. (NY)

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX  and equaifix were also gon na remove it but still have yet to do so.
Consumer complaint received 2018-02-02
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. (NY)

XX/XX/ 2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
transunion and XXXX were also gon na remove it but still have yet to do so.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and Equifax, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

Can not login to my account to make payments for two months. I asked them to merely waive payment my payment responsibilities until they get this fixed. They refused and forced me to make a phone payment otherwise I would get a late fee they said. No need to pay late fees for a problem that is not mine.
Consumer complaint received 2021-02-27
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. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXXXXXX, a payment on the XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NJ)

My wife and I re-financed our 1st mortgage and home equity loan with PNC Bank, NA back in XX/XX/XXXX. PNC Bank had sent our one of their 3rd party appraisers to our home. The appraisal came in much too low and they indicated that we could go and get another independent appraisals done on our own. We did just that. Our licensed appraiser came in at {$55000.00} higher than the PNC Bank appraiser. PNC Bank will not accept our appraisal or at least meet us half way between both appraisals, thus we had to take out additional funds onto our home equity loan which in turn interest rate and the amount that we had to place on the HELOC. A recent home in the area just sold for almost exactly what our home appraiser indicated exactly what the price in the area would be. I am disputing the PNC appraisal and would like PNC Bank, NA to accept our appraisal and re-adjust the HELOC so that the funds go back onto the 1st mortgage and the lock in interest rate we have with them and lower the interest rate back to the original HELOC interest rate that we original had before we had to re-fi the HELOC. Both are at 3.5 % interest rate. We has sent numerous letter, e-mails and telephone calls to PNC Bank but they will not do anything about it. Appears to be unethical business practices on the part of XXXX XXXX XXXX XXXX. Thank you.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

I received a notification of an added to my credit report. This particular debt was paid off. Unfortunately because of the time I no longer have the electronic receipt showing it was paid. I called the company to come up with some type of solution to resolve it. My request was I wil be willing to pay {$100.00} of the {$300.00} as a pay for delete. They sent me a letter back stating I had to pay the full amount owed with a copy of the bill. Gratefully the bill showed that it was paid and I no longer have a balance.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am not liable for this debt with 12 XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$620.00}
Consumer complaint received 2020-07-14
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. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, XXXX/XXXX  Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received denial for student loan because of information Tranunion reported. The student loan servicer stated that Transunion reported that I have student loan delinquency of over 90 days. There are no student loans delinquent at all. Why did Transunion report that is was?
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My mortgage loan was transferred from XXXX XXXX XXXX to Carrington Mortgage on XX/XX/XXXX. Carrington Mortgage is not reporting my loan to any credit bureaus. This is greatly affecting my credit score and my ability to obtain credit. I contacted Carrington Mortgage on XX/XX/XXXX and was told by a customer service rep that they were supposed to report to credit bureaus in May, but at that time they were planning to report on XX/XX/XXXX. I contacted Carrington again on XX/XX/XXXX, and was told they would have to get back to me.

I'm filing this complaint to hopefully resolve this issue of no/slow credit reporting for myself and future Carrington Mortgage customers.
Consumer complaint received 2021-04-28
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. (OH)

XXXX XXXX XXXX XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.