davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-25
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. (NJ)

The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX  According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (FL)

The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are XXXX XXXX XXXX XXXX. Bridgecrest is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.
Consumer complaint received 2021-03-29
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: PRESTIGE FINANCIAL SERVICES INC (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-11-03
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. (OH)

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : 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 XXXXXXXX
Consumer complaint received 2017-09-08
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. (PA)

Equifax mishandled my information which puts me at risk of identity theft. This is unacceptable since I never in the first place had the chance to deny Equifax to even have my information.
Consumer complaint received 2023-02-23
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 (CA)

XX/XX/23 XXXX PT - Received credit report alert from XXXX and XXXX that Capital One ran a credit check on me XX/XX/23 XXXX PT - Called Capital One to investigate and they confirmed a credit card application was received that morning ( XX/XX/23 ). They cancelled the application immediately. 

After submitting this complaint, I will be reaching out to XXXX, XXXX and XXXX to apply for an extended fraud alert, as well as filing a police report.
Consumer complaint received 2019-05-31
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. (FL)

All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has done the following injustice to me, My XXXX XXXX, and my Credit Report. Without my authorization they closed the following accounts resulting in a lost of {$17000.00} in credit. 

1. BJs Master Card Credit Limit {$5000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank reason for closing my account they stated that I have to many inquiries on my credit report and this was after my application for a line of credit of {$5000.00} was approved and before I received the physical card in the mail. 

2. XXXX Visa Credit Card Credit line {$12000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank sent me a letter stating that XXXX  went out of Business and that my card will no longer be accept for purchases. I contacted Comenity Bank via telephone asking will this affect my account and the representative said no because XXXX  Card is a Visa card it will be accepted everywhere else. And that I have nothing to worry about and now my account is closed. 

They do not care about there customers and they have this habitual habit of closing peoples account and reporting it to there credit bureau that line was closed by granter and ruining everyones credit scores credit reputation and credit report. They refuse to do anything about but refer you to the credit report agencies that cant do nothing for you. 

Attached is the statement for both card thats were closed proving that I had active accounts. 
Attached is the letter sent to me recently pertaining to my models credit card being closed after they told me via telephone conversation that it will still before and I would be able to make purchases anywhere because its a visa credit card. Attached is a picture of the physical cards.
Consumer complaint received 2020-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

For years, I have been paying all of my loans through a single payment. I have three loans. On XX/XX/XXXX, I paid {$1000.00} for my loan payments which is considerably more than the sum of the three loan amounts due. The due date for the loans was XX/XX/XXXX. I have been paying with this methodology for several years. 

For some reason, this time Navient did not apply this payment to one of my three loans. 

Upon researching this I have found that they have been charging me late fees for years on loans that I have paid in this manner. Note, I overpay so that I will not be late in future months. 

Again, they have charged me a late fee. In addition, they have listed my account as past due. 

I am including three documents listing the due dates of the loans and the payment date. Please note that in the two payment histories I am providing, the dates coincide up to 2016. For some reason, they have no history for one of the loans of any payment for 4 years.It was 4 years ago when they consolidated all of the loans to a single payment. There must be some glitch in their system now. However, I have had other problems with Navient in the past, I am no longer willing to forgive them.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MA)

Several years ago I got a notice from Paypal that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a paypal account. I did report this by phone to paypal but I never got an acknowlegment. But bills stopped. Recently got notice from XXXX XXXX that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.
Consumer complaint received 2019-05-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX  credit card posted 2 debts on my XXXX, XXXX, and XXXX credit reports. I asked them to verify this information from XXXX and they could not. I was notified in a few months of its removal. It is now showing it is from Portfolio Recovery opened XXXX XXXX in the amount of {$480.00}. I notified them that this was removed and that it should not be on my credit report but I have not heard any response.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TN)

A physician at XXXX XXXX tried to bill and code my insurance for being out of network. The matter was addressed numerous times and aggressively disputed. The collection agency for the physician and I can only assume the XXXX  uses a collection agency that seems to have many names and per an employee, they represent hundreds of physicans and/or hospitals. The collection agency goes by so many names I can't keep up with them. The name that is falsely reporting on my credit report shows : Transworld Systems Inc. Acct # XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX. This matter is compounded because they apologized for putting this matter in collections because it should not have been a debt and charged to begin with because I NEVER gave them consent and they never gave me notice of ANY out of network doctor appearing for a pre-op class. I received a letter of a XXXX balance. They removed it. I also have a document where they stated back in XX/XX/XXXX and I quote : " According to our files, we have not reported account XXXX XXXX to a credit bureau. '' XXXX XXXX advises it was not there in XX/XX/XXXX, this year and now it appears out of no where. So, to me once again, they have acted improperly, illegally, deceptively, and in bad faith and causing me harm by wrongfully reporting this account as a collection on my credit file. Transworld Systems has taken repeated actions that should scare and deeply concern any consumer. On Thursday, XX/XX/XXXX, I called this company and spoke with XXXX. He is a " is patient liaison manager ''. It does not appear from a message he left following our phone conversation that they intend to fix this again and not sneak another derrogatory comment in my credit file regarding something that wasn't a valid debt to begin with and one they said they had not done and one they  cleared to a XXXX balance due to a mistake of their own. XXXX 's number is His number is XXXX XXXX.
Consumer complaint received 2020-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

There is a debt on my credit report for {$340.00} from a company called S.W credit systems.I have no idea what this is from.or why it is on my credit.I have never done any sort of business with this company. I tried looking up the company 's number and called the number I found but couldn't get through to a representative.
Consumer complaint received 2020-09-19
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. (TX)

They show a XXXX XXXX XXXX  account XXXX XXXX '' and I filed a dispute and they said it is my debt and I have never dealt with a XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

hello from XX/XX/2020 to XX/XX/2020 I tried transferring two transactions from your Bank of America checking account to my XXXX XXXX account they were both checking accounts the first transaction was to score over {$6000.00} and that one didn't go through because I didn't have no funds from my Bank of America checking account so XXXX XXXX did not allow that transaction a few minutes after that I was trying to transfer {$3000.00} from my Bank of America checking account to my XXXX XXXX checking account directly from my XXXX XXXX ACH withdrawal system in which I registered my Bank of America checking account and verified it with the two and they showed deposit transactions of under a dollar. spoke to XXXX today on XX/XX/2020 and they told me that my bank account had been closed due to business purposesaccount and I don't see the money because XXXX XXXX close my account and I don't have access to view that money that has transferred so to be honest with you consumer finance bureau I do not know where the money is I was just wondering if you can help me from your end to ask Bank of America and XXXX XXXX to see where my {$3000.00} is because I don't see it in either my Bank of America checking account and my XXXX XXXX checking account.
Consumer complaint received 2020-05-05
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. (FL)

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal  Inspection Service for other possible violations of the law.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (FL)

On XX/XX/XXXX my card and money was comprised. In the total amount of {$330.00}. I contacted Money Network in XX/XX/XXXX and reported this matter immediately. Which they indeed closed out the debit card, mailed out a new card which I received and they also stated they will send a dispute form for the transaction amount listed above. After waiting a few weeks I called back in reference to not yet receiving the forms and requested for the forms to be recent out again via mail. After finally receiving both forms a week apart I mailed the first dispute form back via mail and then a week later fax the second dispute form and I was informed a day later after faxing it, that it was received and will take 2-3 days for a provisional credit. Today XX/XX/XXXX makes 3 days and after calling them today. I was told that my account was notated, stating my claim was denied due to inconsistent conflict of information. After researching dozens of complaints from Money Network. This is the claim result that is used/written to deny all claims. I am very unsatisfied with the results as I am a victim and also the length of waisted time this took to only be denied of my hard earned money, which is direct deposited from my employer. This was incident that was not at all my fault and my PIN number and card was compromised. I am requesting for a provisional credit in the amount of my dispute, which is {$330.00} immediately, so I can continue to do business with this company. 

Transaction {$220.00}, Transaction {$100.00}, Fee {$2.00}, Fee {$2.00}
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

{$360.00} Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified as accurate '' without providing proof of debt ; signed contract.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (TX)

I have a visa credit card that I have to call and make a payment on every month because seeing the amount owed is not available through the website so I called to make my payment and the representative told me a payment due amount of a dollar short and then that {$1.00} went 30 days delinquent because I was under the impression the representative gave me the correct payment amount and didnt get written notification in the mail until after they already reported it delinquent to my credit which brought my score down by 80 points. Ive called twice since to let them know it happened and they both times have said oh no that stinks visa does that sometimes. and did not offer to rectify the situation.
Consumer complaint received 2024-01-31
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. (KY)

The reporting agency did not follow the rules to remove adverse information due to Human trafficking from my report. Although I provided all the required documents. Additional documents were requested because they said my self attestation letter that was provided as the determination could not be verified although it contains the signature of an approved agencies case worker. The rules state that A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

1022.142 ( e ) ( 1 ) Notification to consumer and attempt to resolve deficiencies A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item information resulted from a severe form of trafficking in persons or XXXX trafficking under the Rule. 
Final determination and authority to decline or rescind a block A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission. 
A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block. 
A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Transform Credit Inc. (CA)

On XX/XX/2022 at XXXX XXXXXXXX XXXX I was offered a loan and promissory note. I read I did notice the part about my guarantor. However I said nothing about guarantor signing a separate promissory note. To me this appears as though this lender is attempting to receive 2 ( two ) signed financial instruments as of it were two separate loans on one side and one loan out here in the public. I wasn't comfortable for this reason as well as I'm not going to be surety on a loan that is to be deposited into someone else 's account regardless who my guarantor is. I highly doubt you would either. Now that they have my signed promissory note " witch is considered as currency by XXXX and the Federal reserve. So in my eyes there had not been an even exchange. No equity. This is fraud. I want full legal recourse and remedy to the fullest extent of the law.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

XXXX Report Number XX/XX/XXXX Date Generated General Account Info Account Name CONVERGENT OUTSOURCING Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX XXXX XXXX This company allows someone via telephone to open an account in my name didnt ask for proof of residency, didnt ask for state id or any types of forms proving thats me opening up an account they didnt even ask for a lease or anything to verify that was me and now they holding me responsible for an fraudulent activity account open in my name and reporting it to the bureaus
Consumer complaint received 2019-02-19
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: BMW Financial Services NA, LLC (FL)

I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.