davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: New Mexico Educational Assistance Foundation (NM)

I have refinanced my student loans, thought Department of EducationXXXX XXXX shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from New Mexico Educational Assistance Foundation ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.
Consumer complaint received 2017-11-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (KS)

I received a call from Commonwealth Financial Systems on XX/XX/XXXX at XXXX from the phone number XXXX ext XXXX claiming I owed a debt from back in XX/XX/XXXX in XXXX XXXX, TX . I did live in that area but I DO NOT remember going to the hospital back then. I DID NOT AFFIRM THAT I OWED THE DEBT! I challenged the debt and I told them I do not remember that and I do n't have a medical debt that is owed! They also asked for the last 4 of my ssn and I refused to give them that information! 

I told them to send me a copy of the bill that I supposedly owe which I do not remember ever getting a bill. THEY THREATENED THAT THIS WILL BE PUT ON MY CREDIT AND CAUSE HARM TO MY CREDIT! I have not yet received any bill in the whole 5 years of any bill from the hospital. 

First, the statue of limitations are over with. They can not sue me nor take any legal actions as the statue of limitations are 5 years in Kansas and 4 years in Texas. As of XX/XX/XXXX it has been 5 years! 

I want them to stop harrassing me, stop claiming a debt that I 'm sure I 'd remember IF I DID IT. No bill has came, no nothing. Stop threatening my credit and what not on a debt that is beyond the statue of limitations. Just do not call me again!
Consumer complaint received 2016-08-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

My husband and I had a loan with Citibank that was paid off in a short sale in XXXX 2011. 
Recently we attempted to obtain a new mortgage and were told that Citibank has been reporting us delinquent every month since XXXX 2011 and as recently as XXXX of this year. 
I have contacted Citibank dozens of times, sent pages and pages of documentation, talked to multiple service reps and they all say that they will get this corrected. It has been many months as recent as today, it is still on our credit report. Please help us to get this issue resolved. Thank you
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 


MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 

THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM
Consumer complaint received 2024-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023 we reserved a rental car to be picked up in XXXX. On XXXX XXXX XXXX we called and cancelled the car. The car was through XXXX which we found was operated by XXXX which operated under the name XXXX which is owned by a company in XXXX. The Confirmation # from XXXX is # XXXX. After a lot of rude talk when cancellation it was agreed that there would be a {$40.00} early canc. fee, They said the only way to do this was to charge our card for {$680.00} then process a credit for {$640.00}. The charge from XXXX was sent to XXXX XXXX but they rejected the charge. In the meantime I had contacted XXXX XXXX to dispute the charge and they issued a credit for {$640.00}. At that point all was correct. But for unknown reasons the following month XXXX XXXX reapplied the {$640.00}. I have written and talked with several people to reapply the {$640.00} credit. I had sent them all of the information they requested and they still insist on more info. At this point they have closed the case. Last week I again sent all of the requested info to their dispute office in XXXX XXXX XXXX XXXX. Their case number is XXXX. I did go ahead and pay the billed amount to avoid any charges. At this point I am out {$680.00}. Can you help, Please. XXXX XXXX
Consumer complaint received 2021-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-03-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management (AL)

I have been continually getting emails from a XXXX saying they are collecting on behalf of XXXX XXXX. XXXX got they are suing me that the sheriff will be coming to my job and picking me up. I have a total of 4 emails and none of them list a name of agency but all say they represent XXXX XXXX. On my credit report I have a XXXX XXXX   listed and I have never received any notice from them at all. Never even a phone which is required before its added to my credit report and nothing! All emails act as if these are legal notices with case numbers and even docket number as if filed with courts.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (KY)

I have had an excellent credit history with my Old Navy account with Synchrony Bank, and they sent me a letter one year ago lowering my limit due to a low credit score. Then they sent a letter now closing my account, saying they decide to close it due to my negative reports on my credit report and too many accounts. I have not given them permission to continually check my credit report like that. AND, my card has been at a XXXX balance, paid off, for at least three months.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (LA)

XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by Tower Loan on XX/XX/XXXX and I have in no way cooperated in any business with Tower Loan LLC.

I contacted Tower Loan LLC, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. As my account wit this company has been closed since XXXX and is listed as follows Remarks : >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX TOWER LOAN XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2019-03-08
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. (MO)

I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/XXXX and XX/XX/XXXX, then after the disputes it will say 30 day late XX/XX/XXXX XX/XX/XXXX, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal permanently limited my account on XX/XX/2021 ( Reference ID : XXXX ) which prevents me from withdrawing funds on my PayPal account. This was done according to PayPal, as a result of a presumed unauthorized activity on my account. And as a result, limited my account. 
PayPal decided to hold my funds on the account which INCLUDES a Crypto coin ( Ethereum ) balance of over {$1800.00} I made an initial complaint through CFPB portal and PayPal responded on XX/XX/2021. 
Paypal explicitly stated on their response - Pursuant to the aforementioned section of the User Agreement, PayPal may hold account balance for up to 180 daysWe will make any remaining funds available to you for withdrawal on or before XX/XX/2021 Its now 19 days since specified date in which funds were to be made available, and despite engaging with numerous customer PayPal representatives, I have still not been giving access to my Crypto funds for withdrawal. They currently have no date in which they plan to release the funds. 

This situation continues to cause me financial distress especially in the current economic climate caused primarily by Covid-19 pandemic. 

My email linked to my PayPal is " XXXX ''
Consumer complaint received 2019-03-08
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. (MO)

I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.
Consumer complaint received 2021-02-20
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. (GA)

I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX information break.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Thats on XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX of Toyota Motor Credit Corp a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX Toyota Executive office replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) XXXX XXXX XXXX XXXX. The entire taxing and monetary system are hereby placed under the XXXX ( XXXX XXXX XXXX ) TheFederal Tax XXXX XXXX of XXXX. Toyota Motor Credit Corporation has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totalling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " manager '' money over the next couple of months totalling to little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were no help. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me even get half of this back, Thank you in advance.
Consumer complaint received 2021-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates (CO)

I initially spoke with this company back in XX/XX/XXXX, and XXXX XXXX explained that they were trying to collect an old debt from a XXXX XXXX Credit card from 2006. I informed her that this debt has already been resolved and she proceeded to explain how that was not the case as the collection agency I paid was not the correct one. After a few more minutes of communication, I requested that she send me documentation in writing, and she immediately said, " Good Luck to you XXXX XXXX '' and hung up. Weeks later I heard nothing else from this company before my father in another state called me to tell me that they called his home phone looking for me and also told them that they had been unable to make any contact with me, which obviously was n't true. That was Friday XX/XX/XXXX. I called the company back that day and spoke with a gentleman who answered the phone. I explained my frustration with the first call, and the fact that they were calling my parents and lying about not being able to get a hold of me, and he resonated with my feelings of the level of unprofessionalism. I continued to explain the situation to him, and he flat out told me that the company I previously paid to clear the debt was a scammer and the debt is still owed. He went on to tell me that XXXX XXXX directly was placing a judgment on me. I requested documentation and he said that he could email it to me. I asked for it to be sent by mail and at that point he said, " Well, I can do that, but I have to label this as dispute ''. I told him that was fine, whatever he has to do to send me documentation in writing, and he finished by telling me good luck and hanging up on me. After being hung up on again, I tried to call back, and no one would pick up the line. On Monday XX/XX/XXXX, I received 6 calls within an hour and one voicemail. The voicemail was from a woman in compliance, who stated that they have made several attempts to contact me at my address, which they have not done, and if there is a lawyer that they need to speak to, they need that persons contact information, and if things are not resolved by the end of today they will be taking further action. I called her back and once on the phone I started by trying to explain the history of this, and that her statement that they have not reached me is false as I have spoken to two people within her firm. She seemed surprised by that and as I continue to explain the history, she quickly cut me off and told me that I started off the call wrong and as such she is not going to speak with me but continue forward with the action. We each began yelling and I asked several times for her to let me speak and she would not allow me to do so. She stated that she was going to contact my place of employment in lieu of speaking with me directly and continued yelling and screaming at me, at which point I had to hang up because it got so contentious.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I applied to a rental company on XX/XX/XXXX named PMI XXXX. I was denied the rental because via my tenant screening report my DOB and SSN did not match according to my Equifax report. I checked and pulled my full report upon receiving my copy from the company and indeed my DOB is wrong. I need my personal information updated, I have placed a freeze on my credit report via Equifax and need to report fraud on the individual whom birthdate is presented as mine on my Equifax personal account.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
Consumer complaint received 2021-07-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IN)

My mortgage was sold to freedom mortgage and inwas offered a streamlined refi after submitting all requested paperwork I did not hear back for several weeks I reached out and was told by the under writers that the refi was closed with no notification to me. I contacted the person who origallny started the refi process for me he started everything up again. Things were going smoothly aside from being asked for even more documents this time which were provided. I was called asking for a pay stub which I sent in on that phone call I was told inwould get weekly up dates. 2 weeks passed and I got no update when I called I was told it was closed again with no notification to me yet again.