davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
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: DISCOVER BANK (FL)

The credit card company has reported 3 late payments on my account from XX/XX/XXXX - XX/XX/XXXX, when I had supposedly been on autopay. My account has no further errors and always remains in great standing.
Consumer complaint received 2020-11-17
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: CITIBANK, N.A. (CO)

I rented a RV from a company, XXXX, in XX/XX/2020. After returning the rental, the company claimed that I had damaged the vehicle. Without asking my authorization they charged the credit card number they had on file for the full insurance deductible. 

Since XXXX did not get my approval to charge my card and since I strongly believed the damage they were claiming was incorrect, I opened a charge dispute with Citi, my credit card company. 

I opened the credit card dispute on the phone in XX/XX/2020. I did it over the phone. The agent I was working with advised me not to dispute the charge as " unauthorized '' charge because he said " law enforcement would be involved ''. Instead, they suggested I claim " goods not received ''. I took this suggestion as I did not believe this was a criminal matter. 

A few weeks later, I received a response from Citi notifying me that the merchant had responded to my dispute. The merchant that responded was *not* Outdoorsy ( it was their payment processor ) and it simply said " this charge was made for damages ''. I told Citi that this was insufficient proof to justify the charges, they sent me this : " The information provided in your most recent letter conflicts with the information used to open your dispute. Your initial dispute stated that you not received the service. Your recent response states that you have not authorized the charge. Unfortunately, while we understand your desire for a credit, we are unable to assist you further due to these conflicting statements. ''
Consumer complaint received 2019-03-13
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. (FL)

This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (OR)

received voicemail from Direct Recovery Services LLC. The number called from was XXXX. " Hello this is XXXX XXXX calling. My office has spent enough time and resources trying to reach you already. It's definitely in your best interest to return this call immediately to resolve your matter voluntarily. Our number is XXXX. '' Call received at XXXX on Tuesday XX/XX/2020. I don't owe any debt. This is their first attempt to contact me.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX XXXX  are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. 
When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. 
This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. 
XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. 
This needs to be removed from my credit file immediately.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My credit report shows that no payments were made for the month of XXXX and XXXX. I have proof of making the payments except there was a XXXX  which I consider a predatory loan practice. 

I was behind on a payment for the mouth of XXXX and was offered a hardship plan which I signed up for. 
Original loan payments are {$860.00} XXXX hardship plan automatically offered online, the loan payments were set to reduce to {$430.00} for next 3 months. I accepted the plan with payment date being XXXX of each month with payments starting in XXXX. 

These are the following payments I made : XX/XX/XXXX - {$870.00} ( even though {$430.00} was due ) In XXXX I was unable to make payment, & then when I signed back into my account to catch up the total due amount showed now overnight was {$2100.00} and a note saying the account is more than 60 days past due even though a payment was made in XXXX per Hardship plan agreement. 
I made a payment on XX/XX/XXXX of {$2100.00}. 

XXXX XXXX said it was part of thier hardship contract where if you miss a payment on hardship plan a ) they can pretend that they never received any payments from the time you sign hardship contract even though a payment was made in XXXX and account was current. 
B ) the atrocious amount due overnight of {$2100.00}. I have no clue how the payment for XX/XX/XXXX due {$430.00} XXXX to {$2100.00} after XXXX missed payment. I consider this predatory loan practice. Not only does my credit show no payment was made in XXXX, when clearly a payment was made on XX/XX/XXXX ( due XXXX XXXX ) to XX/XX/XXXX the account was less than 60 days past due. 

Why does my credit report show no payments?
Consumer complaint received 2020-12-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (SC)

my complaint is not just about the change of amount to pay but the horrid customer service and how many times I have reached out to them. I took a XXXX dollar loan out mud summer with spotloan, It was being taken out on a day oppisite of my pay day week. I asked to have it taken out the same day but next week for convenience of it being on a payday since it wouldnt of been easy for me to pay that week. So I received an email back saying yes it was changed to the day I requested and it was not. It was actually changed to 2 weeks from then, which I originally did not complain about since I didn't have the money I just decided to pay it from my next check i paid and paid for 3 more months ans my balance never went down i received an email saying my loan was extendesd. I understand fees and interest especially with a loan like this ... but my balance went from XXXX to XXXX ans now will not be paid off until XX/XX/2021, i called. The guy explained to me since I moved my day my loan was extended XXXX dollars! And it wasn't even on a payday which he could not move for me unless I wanted it extended more. I have paid and paid on this.loan. I pay twice a month on this loan and my balance still to this day is XXXX and I have spoke with them to try and work with me and there is nothing they can do i paid for 3 months in a row.. these past 3 months and my loan is still at XXXX I honestly believe it won't be paid off in XXXX i believe it doesn't go down. I also just requested this week for it to be moved to a pay date once again for convenience i got no.email back until they said it was moved to XX/XX/XXXX i stated in multiple emails ans I have proof i did not want it changed of it extemded the loan I callled today since it is suppost to be taken out tomorrow ams the girl could not tell me of it will be pulled out tomorrow or XX/XX/XXXX i am livid with this company and I feel like I'm drowning
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I've sent several letters to XXXX, XXXX, and Experian requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.
Consumer complaint received 2020-07-23
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. (GA)

There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate XXXX account number XXXX date open XXXX
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I've sent several letters to XXXX, Equifax, and XXXX requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.
Consumer complaint received 2020-07-23
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (VA)

VA mortgage loan was put in forebearance  on XX/XX/XXXXXXXX  under the CARES Act. Received letter in XXXX that payment was late, contacted Freedom Mortgage and was told it was an error and that it would not be reported to credit agencies as late, but " paid as agreed ''. 

On XXXX XXXX, XXXX, I checked my credit reports due to the alert received about lowered credit score and Freedom Mortgage reported as late payment to all three credit reporting agencies dropping my credit score by 80 points. This is clear violation of CARES Act. I called mortgage company and was told they made a mistake and they would start a credit investigation on it. This however, will not make my credit score as high as it was before the mistake was made. They also reported late payment in XX/XX/XXXX, in error.
Consumer complaint received 2022-03-29
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (NY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I previously submitted complaint XXXX and received and email from Bank of America requesting a call from me to verify my identity. I have called three times and had to leave a voicemail each time. Their voicemail states I will hear back from them or their colleague within 24-48 hours. I have yet to receive a return call. This is a pressing matter and I have followed their instructions. They demand that I call them by XX/XX/2020 but yet they can not return my call. 

I want the courtesy of a return call. My next actions are to contact the OCC, the XXXX and my state 's Attorney General 's Office. 

I want the fraud protection I am promised and deserve. I did NOT participate with the merchants involved with the 72 charges in my claim.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (WA)

Net Spend tells me I had a net spend western union account i was also assaulted and robbed and my finances where robbed from me i have multiple accounts i would like all information about my accounts i can see money transfered from one card to another I have reached out to XXXX XXXX this has been going on for 7 years and its all 3 netspend corp net spend pay pal  and net spend western union
Consumer complaint received 2022-11-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX account, XXXX, amount XXXX. I do not have a contract with this company and I have requested proof of debt. Experian stated that this information was sent to me and it has not because I have not received it. This account needs to be removed off my credit report. Provide validation of debt or proof. I do not have a contract with XXXX XXXX this needs to be removed off my credit reports.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CA)

XXXX has credited my account {$140.00} XX/XX/2020 and sent me a VISA card for the same amount. On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.
Consumer complaint received 2022-04-26
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. (MD)

They have late payments from kohls credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly
Consumer complaint received 2021-10-12
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020, at approximately XXXX XXXX, a gentleman named XXXX XXXX from Midland Credit Management called my employer, XXXX XXXX XXXX  XXXX XXXX, asking to speak with me but refused to state where he was calling from. He called from XXXX XXXX XXXX XXXX. A reverse phone lookup reflected it is from Midland Credit Management. I returned the call from my cell and a recording answered saying that this line is being investigated for fraudulent practices. 
On XX/XX/2020, at approximately XXXX XXXX, a woman called my employer AGAIN ( from phone number XXXX ) and refused to leave her name but stated she was calling from " Midland ''. 
I am not allowed to receive personal calls at work. They need to stop harassing my employer.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (HI)

I purchased a {$15.00} XXXX gift card that their system says was loaded to another users account. When I called XXXX they told me that a XXXX had loaded my funds from a card with the number of the one I have into his account. I do not know anyone named XXXX. They also had the nerve to tell me and insist that someone else in my household is responsible and used my card for their account! I have an original proof of purchase load receipt for the card and I am in physical possession of the card! I am the only one with access and the card was in a storage unit for which I am the only one who has access. I have contacted XXXX XXXX XXXX and XXXX multiple times and they insist on telling me that I know a XXXX who lives in my household or that someone else in my household accessed my card and stole my funds! Ive complained at least twice to the XXXX XXXX XXXX and XXXX has ignored every probe and inquiry! Extremely unprofessional and cold! The gift card had been stored after being purchased a couple of years ago and I tried to use it on XX/XX/2020 to buy food through their XXXX Eats program. I am disgusted by this and believe that it is grossly unfair! 
XXXX XXXX XXXX is the company that creates and loads the gift cards and is the entity who is the ultimate holder of funds on the cards that they manufacture!
Consumer complaint received 2022-03-01
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. (FL)

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2019-03-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc. (FL)

XX/XX/2019 My office received a call from Prosper. The person called from an XXXX number. The staff member was asked if this was XXXX and because it was a business phone and I am the manager and she was screening my calls, she said yes and without identifying the company calling or confirming my identity they proceeded to speak about my personal loan payments.