davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to Transunion, XXXX, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dream Center Education Holdings (AL)

MADE THE HUGE MISTAKE OF ATTENDING XXXX XXXX   XXXX ALABAMA CAMPUS. THIS SCHOOL DID NOTHING BUT ROB US EVERY SEMESTER AND MAKE US BRKEN PROMISES. ON XX/XX/2014 MY FATHER DIED UNEXPECTEDLY. I CONTACTED EACH OF MY PROFESSORS AND INFORMED THEM OF WHAT HAPPENED. DUE TO THE FACT THAT I HAD TO PLAN THE FUNERAL ALONE AS WELL AS HANDLE ALL OTHER THINGS THAT HAD TO BE HANDLED I CONTACTED EACH OF MY PROFESSORS TO INFORM THEM THAT I WAS NOT MENTALLY ABLE TO TAKE MY EXAMS. I WAS GREETED WITH NASTY EMAILS AS WELL AS PHONE CALLS. MAINLY FROM JUST ONE OF MY PROFESSORS. MY MATH PROFESSOR AT THAT TIME WAS EXTREMELY NICE AND WAS WILLING TO WORK WITH ME. THE OTHER WAS NOT SO NICE AND SO I REACHED OUT TO THE PRESIDENT OF THE UNIVERSITY AND THAT WAS A HUGE MISTAKE BECAUSE FOR THE PAST ALMOST FOUR YEARS THIS " PERSON '' HAS LIED TO EVERYONE INCLUDING HIMSELF. AFTER BEING MET WITH SUCH HATRED FROM THE STAFF AT XXXX UNIVERSITY I REACHED OUT TO THE DEAN OF STUDENTS WHO OFFERED TO PROTOCTOR THE FINAL EXAM AND YET THIS " SO CALLED PRESIDENT '' DID NOTHING TO MAKE IT HAPPEN. AFTER I COULD NO LONGER TAKE ANYMORE HATRED FROM THIS UNIVERSITY I SET THEM ALL A EMAIL ( PROFESSORS AND PRESIDENT ) AND I WITHDREW FROM THE UNIVERSITY. LATER I RECEIVED A BILL FROM THIS SCHOOL. I CONTACTED THEM ( XXXX ) AND WAS TOLD THAT I COULD DISPUTE THE CHARGES AFTER I TOLD THE REP WHAT HAPPENED HE ENCOURAGED ME TO OPEN A DISPUTE AND I DID. THE PRESIDENT OF THE UNIVERSITY CONTACTED ME AND LIED ... I WAS TOLD THAT THE ENTIRE SEMESTER WOULD BE FORGIVEN. AND THAT HE WOULD HAVE MY TRANSCRIPT SENT TO XXXX UNIVERSITY. NO REFUND WAS EVER DISCUSSED AT THAT TIME. I WAS NOT EVEN EXPECTING A REFUND. WELL TO MY SURPRISE THEY SENT ME A PARTIAL REFUND FOR THAT SEMESTER. CURIOUS I ASKED THEM WHERE WAS THE REST OF THE MONEY FOR THAT SEMESTER AND HE ( PRESIDENT ) LIED AND SAID THEY SENT IT BACK TO THE DEPARTMENT OF EDUCATION. AND THAT HE HAD A WRITE TO CHARGE ME WHAT THEY SENT BACK. NOW THE MONEY THEY DID SEND BACK THE PRESIDENT WANTED ME TO SEND IT BACK TO THEM TO PAY OFF THE OVERCHARGING THEY HAD DONE THE SEMESTERS BEFORE. NO MONEY HAS EVER BEEN SENT BACK TO THE DEPARTMENT OF EDUCATION. THIS COMPANY IS STILL ASKING FOR OVER 5,000.00 AND THEY STILL HAVE GRADES DOWN FOR THE SEMESTER THEY CLAIM WAS FORGIVEN. THIS COMPANY HAS HURT AND OVERCHARGED ME AND OTHERS FOR SEVERAL SEMESTERS. I RECENTLY CONTACTED THEM AND THEY WERE NASTY AND COULD NOT EVEN GIVEN ME ANY ONFORMATION. I HAVE BEEN CALLING THEM SINCE LAST YEAR. THEY HAVE ROBBED SO MANY STUDENTS ANS STILL CONTINUE TO EXPECT US TO PAY THEM FOR BROKEN PROMISES AND THE FACT THAT I MISTREATED AND CHARGED FOR HAVING A DECEASED FATHER. THIS SITUATION STRESSED ME SO BADLY THAT I COULD NOT EVEN GRIEVE THE DEATH OF MY FATHER. THIS SCHOOL AND COMPANY ( XXXX ) HAS LIED TO MAKE THEMSELVES LOOK GOOD WHILE TAKING ADVANTAGE OF STUDENTS AND THEIR EDUCATION.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2021 I late for a credit card payment and when I had enough to pay on XX/XX/XXXX I submitted to pay but the computer took more than what it is programmed to do. custumer service represntatives said 2 days but more than two had passed but 4 days. XXXX Credit Card by Synchony
Consumer complaint received 2021-04-11
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. (GA)

I have sent in several letters to XXXX, XXXX, experian and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.
Consumer complaint received 2021-04-11
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. (GA)

I have sent in several letters to XXXX, equifax, XXXX and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Merchants Acceptance Corp (KS)

Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX  by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX to further solidify my identity as a victim of XXXX in many forms, financial XXXX being one of the many.
Consumer complaint received 2020-06-04
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 6. ( XXXX & XX/XX/XXXX ) 7. ( XXXX & XXXX XXXX ) 8. ( XXXX & XXXX XXXX ) 9. ( XXXX XXXX & XXXX XXXX ) 10. ( XXXX XXXX XXXX & XXXX XXXX ) 11. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) 12. ( XXXX - XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

Starting last month, XX/XX/2021, after multiple years of having this Macys account, they are preventing XXXX XXXX XXXX from making purchases online stating authorization holds even though Macys has repeatedly cancelled online purchases about 10 times in the last two months. 

XXXX XXXX XXXX is a co card holder, and can prove that hes been able to buy the same items in store off the shelf and ordering with a clerk online in the store, that Macys cancelled online. Worse Macys is not updating the available balance for multiple weeks after payments have been made, returns have been made, cancelled online orders by Macys etc. The available balance keeps deducting without lawfully updating the account to current. They keep issuing billing statements with wrong available balance that doesnt match with current balance. 
This happened last month and they promised this wouldnt happen again, ona legal phone call recording that, we, XXXX XXXX XXXX and XXXX XXXX XXXX have an are withholding for our evidence. 

Balances are required to be updated immediately not weeks later. 

We are very concerned that Macys admitted in an online chat on XX/XX/2021, which is attached to this complaint, that there are authorization holds. 

No explanation for this. Only reason there would be any authorization holds on an account, would be stating theres a illegal conservatory accessing our account without our knowledge. 

By definition of having this card there shouldnt be any authorizations required. This card had a {$7300.00} limit, which proves authorizations are not required. Theres no such thing as authorization required to make online purchases. 

We dont accept this unlawful response. On time payments for over 4 years. This has been happening for the last couple months now. Doesnt make sense. Especially when a instore clerk can order an online purchase for XXXX but Macys wont allow it to personally done online. 

Whats the problem? Why is this happening all of a sudden? Authorizations doesnt exist. 

This complaint doesnt require a phone call because Macys isnt putting anything in writing besides the admittion through the Macys chat. 

Why is it taking weeks to update available credit usage and balances? Why is this happening all of a sudden? Why is Macys preventing online purchases? This has never happened. 

Why is Macys not following fair credit reporting act. 

Phones calls were already made, and it didnt resolve anything. Screen shots of this online chat is attached We, XXXX XXXX XXXX and co card holder XXXX XXXX XXXX XXXX all rights as pro se.
Consumer complaint received 2022-02-10
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. (NJ)

Equifax without my permission pursuant 15 USC 1681 ( B ) furnished information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That is exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (OK)

I Got a Loan through XXXX XXXX  in XXXX, Oklahoma. I lost my job and told them that i would be late and that i did start a new job, that the date i would pay would be when i get my first full paycheck on XXXX. That i would pay any late fee, first time i ever missed a payment, they said i needed the money sooner and that they would call me everyday as much as they want until i pay them. They have called me few times ever day and my family, im at work and can't answer. Its getting ridiculous and almost to Harassment, they left voicemails saying i have to call back or go up there in person, but it's there bullying tatic once there they try to make you feel belittled and that if you don't pay right then and there they will take you to court. Was due XXXX.
Consumer complaint received 2021-04-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (MI)

This account has been closed for about a year. However, it is still showing on my credit report, which is negatively affecting my credit because it is still reporting information related to the loan and I no longer have this account. The account should no longer be seen on my credit report. The company sold my mortgage to another company without my permission.
Consumer complaint received 2020-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Date : XX/XX/XXXX Amounts : None Actions : I spoke to a representative at the beginning of XXXX. ( Sorry I don't have a specific date for that conversation ) They indicated that I did not have to make a payment until XX/XX/XXXX. I asked them if they were sure and they said yes, that they were completely sure. To call back after that date to restart my payment plan. Not even two weeks later I received 4 letters ( one for each of my loans ) stating that my bankruptcy was closed and repayment was to start immediately. That was the purpose of my call on XX/XX/XXXX. I called the number that was at the bottom of the letter ( which apparently after waiting on hold for 10 + minutes was the incorrect number, that was for federal loans not private. So they transferred me to the private loan department. They indicated that yes I was back in repayment. When I explained to them about what I explained above the representative didn't even care at all she said, and I quote " Well, anyways. '' And continued to ask me for a payment. I explained that I was on a repayment plan. She stated that she had to transfer me over to another department that handles that, and that she was going to notate the account so I would have to give my information all over again to the next representative that I spoke with. She transferred me, and the next rep that I spoke with asked for my info. And when I stated that the previous rep said she was going to notate the account so I wouldn't have to give my information, he said that they don't do that and not sure why she would tell me that. He then stated that he deals with accounts that are past due ( mine wasn't ) and that he would have to transfer me over. Again his attitude was that of not caring at all. He transferred me over to the final rep that I spoke with who was kind and finally got me take care of. He didn't have an answer for the misinformation that I received either. 

Here is my main complaint. Navient doesn't seem to care at all about the customer. This is only one example of incorrect information that they have given me over the past several years. They can treat the customer any way they see fit and with no repercussions at all. I feel helpless and completely taken advantage of.
Consumer complaint received 2020-04-22
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)

Credit Inquiry on XX/XX/2019 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX This is fraud and I have requested that Equifax remove this inquiry
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (AL)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was called on XX/XX/18at XXXX by Portfolio Recovery Associates operator XXXX attempting to collect the credit card debt. They have been advised to place a cease and desist on this debt and if needed to continue all further communications through correspondence. They did not follow that request and continued to call me every 2-3 days for various months. I reiterated the cease and desist at the above time and provided last 4 of social if required to authorize for their recordings.
Consumer complaint received 2021-04-12
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: Paramount Recovery Systems, L.P. (FL)

paramount recovery system is a fraudulent account on my credit report and i tried to dispute this with XXXX  and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. XXXX XXXXs the only one given me trouble and its not just this account also XXXX XXXX XXXX, XXXX account XXXXthese accounts are identity theft and are fraudulent activity that i reported to XXXX  and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have XXXX  tell me that they are not going to remove it XXXX and XXXX  both removed it only XXXX  is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Date XXXX i was notified by XXXX XXXX that this account was considered a " Charge Off '' I looked into this, and i have no idea what this account is or why it is associated with me. 
I was never once notified that there was an account open or a balance due, and now I am finding out there is a charge off which is negatively impacting my credit rating.
Consumer complaint received 2021-04-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

My account shows student loans that have not been paid on and they are currently on a freeze. But if you look at account it looks like I am avoiding making payments which I believe is impacting my credit score and should be fixed. I also have a derogatory remark which is high impact that should not be on my report.