davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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. (AZ)

In XXXX, XXXX I noticed that Experian was showing that I had late payments on 2 accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ). AlsoXXXX my street name was incorrect ( they show a non existent street ). I mailed my first dispute using their form on XX/XX/XXXX. A second dispute was submitted online on XX/XX/XXXX. After receiving notice that corrections had been made I found the credit report was still wrong and I submitted a third dispute by email on XX/XX/XXXX. I was informed I could not dispute by email and sent a dispute letter on XX/XX/XXXX with supporting documentation for the incorrect street name as I had been instructed to do. ( See attachments # 1 ). I received an updated partial report dated XXXX ( see attachment # 2 ) which shows all information has been corrected. I then received a full report dated XX/XX/XXXX in which the late payments and wrong street name reappeared ( see attachment # 3 ). XXXX XXXX does not show any late payments and has provided a payment history ( see attachment # 4 ). I am not able to obtain info from XXXX XXXX XXXX on the credit card as the card in no longer active. I can only state that I have never been late on any payments even during the bankruptcy filing. In addition, I was denied a credit card from XXXX XXXX XXXX as a direct result of the inaccurate and negative information provided by Experian ( see attachment # 5 ). I believe that Experian is deliberately, willfully, intentionally and fraudulently posting harmful negative information on my credit report with the intent to negatively impact my credit rating. I further believe that Experian is deliberately, willfully, intentionally and fraudulently posting the incorrect address on my credit report with the intent to negatively impact my ability to obtain additional credit. I also believe that Experian is deliberately, willfully, intentionally and fraudulently refusing to correct the errors on a permanent basis with the intent to negatively impact my credit rating and to negatively impact my ability to obtain additional credit. It is important to note that both XXXX and XXXX have no late payments on their reports and have my street name correct. It is only Experian that is posting the inaccurate information and refuses to make the necessary corrections to my credit report with them. Another point of information, Experian also has the incorrect street name on my wife 's credit report. In response to her multiple disputes, Experian changed the city and state on her report to a city and state that she does not and never has lived in ( see attachment # 6 ). Experian has a known and documented history of falsifying credit reports for myself and my wife.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (IN)

I owed XXXX XXXX XXXX XXXX, it 's now {$100.00} after paying them {$50.00} every two weeks.They said I could make payments, since it was closed account ( I switched to XXXX ). It was sent to XXXX XXXX who call me none stopped, I explained I was paying on it to XXXX and that I never received anything from XXXX XXXX. I 've asked them 3 times to stop calling, they said they would. XXXX XXXX and her manger XXXX. I got another phone call today XX/XX/2017 and XXXX yelled at me and said that this was collections not costumer service.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TCF NATIONAL BANK (IN)

I received a call from a company phone number XXXX saying they are a lawyer and I know I had a debt with the TCF  Bank back 2007 I think plus it is not on my credit report so I was willing to pay half the debt and get it over with they wanted me to give them my debit card I asked could they mail me out something about this cause I had a friend that someone did the same to her and it was fraud they had my name, social security number, my old address I asked could they mail me out something with the office name but they said it could take up to 7-14business days I asked about email still no respond I gave them my email address XXXX I called back they wouldn't tell me the law office name or who was handling the case can someone please help me if it's true I will pay have of the bill like they suggest just don't want to be scam
Consumer complaint received 2019-11-01
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX   XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2023-01-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc. (FL)

This original debt was from XXXX XXXXXXXX XXXX XXXX It is now reporting as debt with NCB Management as a debt that is from XXXX  this false and all is inaccurate.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

I found that my Victoria 's Secret card was frozen in the beginning of XX/XX/XXXX, so I called Comenity bank number on the back of the card to see what the problem was, since I could not view my balance or points on their website. When I spoke with them they asked if I filed for bankruptcy or if I am consolidating my debt and the answer to that is no not with Victoria 's Secret. A few days ago XX/XX/XXXX I tried to use my card at XXXX XXXX XXXX XXXX  it was declined. Then today XX/XX/XXXX I tried to make a payment for it is due today, I was not able to log in to the website. So I called customer service ( XXXX [ she could not help me ] ) then she transferred me to a female specialist ( foreign, could not understand when she stated her name nor could she help me ) for comenity bank. I tried to make a payment, fix my card, I even tried to close my account, they couldn't help me with any of my requests. So I called my identity theft law firm and they sent me to you. I don't know why they did this to me I always make my payments on time, use my card faithfully there is no reason for the treatment that I am receiving from Victoria Secrets Comenity bank. 

Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TN)

The following debt has been paid. I am a veteran and the VA pays all of my medical bills. I did not receive notification of any debt. They just placed it on my credit. 

XXXX Agency Name : XXXX Balance XXXX, XXXX Status Unpaid Debtor : XXXX XXXX XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P. (CA)

I am victim of identity theft, and I did not make or authorized these charge ( s ). I request that you remove the fraudulent charge ( s ) and related finance charge and other charges from my account. After that has been completed, please send me an updated copy and accurate of my credit report.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (OH)

The REVENUE GROUP # XXXX has never provided Validation of Debt, Method of Verification, Assignment of Debt for this alleged account. However, continue to report this information on my credit report. 

I never received noticed about this debt and as you can see NO REQUESTED documentation has produced. In addition, they are in violation of my Hippa Rights.

It's been over 40 days since I have requested this information, now they are in violation of the Fair Credit Act as well.
Consumer complaint received 2018-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Around XXXX XXXX  or so i emailed this company asking for late payment forgiveness, i was XXXX  and going through XXXX XXXX for a few years on and off. a few days later i get a call from XXXX with Cap One who wanted more information about my XXXX. company is insensitive to the misfortunes that people go through, i was asked about a XXXX. I was not once asked about be being XXXX  or to verify but i was asked details about my XXXX. If the XXXX was of no importance, what is the need for the questions? Nothing else in that letter was asked to be verified. today i get a letter stating that they asked me for other payment options, XXXX of 2018 i was still XXXX, so if there was a letter sent it was never received since i was not stable. this company does whats best for the company not for the customer. I dont want the account reopened, i have a new account with you guys. Im aware of my horrible past with you guys and i am trying to make life right and this would be a big help, i never asked for all the late fees to be removed anything helps. thank you for supporting people of XXXX XXXX.
Consumer complaint received 2018-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC (UT)

XXXX XXXX XXXX started garnishing my wages at my work without getting a judgement. My work took out {$350.00} on XX/XX/2018 per XXXX XXXX request and sent them the payment, they again took out {$350.00} on XX/XX/XXXX and sent the payment to minute loan center. They only stopped garnishing my checks because I got laid off on XX/XX/2018 and have been unable to find work. I didn't know that XXXX XXXX XXXX could garnish my wages with out getting a court order. On XX/XX/XXXX I received a call from XXXX XXXX XXXX stating they had not received my payment from the garnishment and that they found out I was not working there, that same day I received an email receipt showing the payment. I didn't contact XXXX XXXX XXXX about being laid off because I thought my work would, that is how I found out it wasn't a garnishment with a judgement. How is this fair, what can I do about it? 

I did not know it was an option to sign the wage assignment form, I was told I had to sign it but was told that they wouldn't garnish my wages without getting a judgement, wish obviously isn't true.
Consumer complaint received 2018-09-17
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: NATIONWIDE ACCEPTANCE LLC (IL)

through this CFPB complaint portal I was able to obtain some additional information regarding the extent of my identity theft. it was initially though of to have begun in or around XXXX as the police report stated, also all info that I was able to get came directly from my credit report as these accounts are not mine. I was informed that there is another vehicle that was accepted as a trade in also in my name. I have never traded in a vehicle in my life. furthermore I had fought my employer to prove that I was not liable for the wage assignment to the point where I won a case with my union after resigning my position. it was also said in the response to the complaint that my personal identification was used " same picture '', also it was mention that my police report stated XX/XX/XXXX was when the theft of my identity began, well that was all I had knowledge of at the point, so a revision of my police report will be done but this company seems to suggest that since my personal info was used to obtain these goods then the debt is valid, also as explained I had been granted a discharge by federal guidelines of all debt in XXXX, and this debt would have been included if it were valid NAC act # XXXX
Consumer complaint received 2023-08-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I posted my resume to several online remote jobs. I received an interview appointment by going to https : XXXX Reference Code : XXXX. A person posing as XXXX XXXX XXXX hired me and then had me fill out employment forms, which included a picture of my FL driver 's license, copy of my social security card, and a self-picture for an employee ID. I sent them to XXXX. In order to set up a home office, I made XXXX XXXX payments ( XXXX x {$500.00} ) via my debit card to XXXX XXXX ( XXXX ) XXXX for home office equipment. Then, I purchased ( XXXX x {$500.00} ) XXXX XXXX XXXX and then another {$400.00} worth of XXXX XXXX XXXX. All of these purchases were made using my Chase XXXX card. During this time, I communicated with a person posing as XXXX XXXX ( XXXX ) and a person posing as XXXX XXXX XXXX ( XXXX ). The additional emails for XXXX XXXX via XXXX teams were : XXXX and for XXXX XXXX XXXX via XXXX teams was : XXXX. There was also a person named XXXX XXXX who sent me an email via XXXX and then asked me to respond to XXXX. In total, I am out {$3400.00} and Chase has denied helping me with a return of these funds to my checking account. I have their letter indicating their decision, that is attached to this complaint.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (TX)

I just recently received a lawsuit settlement check from CFPB V Freedom Debt Relief Third party Administrator -7033 brought against The XXXX XXXX XXXX XXXX  charged a settlement fee where there was no actual debt settlement It was for all part of the fees I paid XXXX I recall meeting with them because I changed my mind about using there debt relief services, and somehow they managed to convince / confuse me that it would be of my best interest to have their services instead of filing bankruptcy I decided to go ahead as planned and for months/ year or more I paid them monthly payments // finally they did some kind of consolidation write off and I no longer had to pay them off ; ; ; after all of this time paying them mega bucks they allowed me to be labeled Bankruptcy on my Credit Report!!! I struggled with having Poor credit filed reporting for years *** I guess what my question to CFPB is Does Freedom Debt Relief owe me back pay for more ~ $ XXXX than the {$5200.00} settlement check? 
I dont have the exact dates of when this took place but Im guessing 10 yrs or less ago,,, and CFPB should have the records and information used to get the settlement check to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX ( XXXX ) XXXX cell
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was out of town in XX/XX/XXXX for my birthday only used my card to rent a car and at XXXX XXXX. Capital One sent an email to state that there was suspected fraud on my card which in fact it was. I live in XXXX was traveling in Virginia a supermarket in New Jersey tried to put through a charge for {$100.00} I let Capital One know the charge was fraud, they shut down my card credited the amount back I was just waiting for a new card. I had the new card number and tried to pay a bill but was declined when I knew I had the funds. contact the bank only to be told two different stories. The first is that the recent payment I made was on hold, then that the fraud credit was on hold. I reviewed me account to find out the merchant adjustment the charge on XX/XX/XXXX capital one sent me a letter date XX/XX/XXXX stating they were refunding my account to get it back to normal needless to say they are still holding my money. They have been made whole again I was told they have the right to hold the funds for up to 60 days BUT why when you have been made whole as a bank and are holding my funds for no apparent reason. If they want to investigate the merchant that fine, just remove me and my funds from the matter.
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc (TN)

I visited XXXX XXXX XXXX in XX/XX/2022 for a XXXX ultrasound. I was referred there by a XXXX because I was XXXX XXXX XXXX. After the appointment I began receiving bills for XXXXXXXX XXXX XXXX ultrasounds instead of the XXXX ultrasound that I was supposed to receive. Over the course of 6 months, I reached out to the company 7 times to get my bill corrected. Each time they acknowledged that my bill was incorrect and promised to send me a correct bill. I never received any follow up from them, never received a new bill and the next thing I know I am getting a letter from a collections company. I wrote to the collections company explaining that I was being billed incorrectly but never heard back from them either. Next thing I know, this incorrect bill is on my credit report and has dropped my XXXX XXXX by about XXXX points!
Consumer complaint received 2021-10-07
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)

Experian is inaccurately reporting bankruptcies on my credit report. I have verified information with XXXX XXXX and forwarded the information from XXXX XXXX to Experian confirming that they are indeed not reporting this information to Experian but Experian has not removed this information from their reporting. This is a common practice for Experian.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

first let me say i need all copies of complaints i made about discover card. i dont even read their responses. since they have gotten away with behavior that SHOULD be regulated but is not which is how i know you will continue to do nothing about my complaints. they closed my accounts which i had not used and i will not make any payments as a result of not getting help to which i was duly entitled. I have never seen a bank get away with the bullying, the discrimination they did and how difficult they have been that it would escalate to where its headded.. court. In a world where a good customer who calls and has a good payment history should be valued it is not with discover card. they bully disciminate and then when i made a complaint and asked for things to be done anyone else would have done in good will they closed the accounts. but no bank i repeat as ever lied, discriminated like they do and they think they can report me to credit when i dont pay since i got no help, when requested, was discriminated against etc. we will see. i will take needed steps to protect myself.
Consumer complaint received 2020-09-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I got divorced 4 years ago in the divorce I took over the mortgage payment, the home was quick deeded into my name as directed by the court. I alone have made the payments since then. My ex wife is on the paperwork I have tried to contact the company servicing the loan on numerous occasions by mail and voicemails left without a response, I am trying to see what needs to be done to have her removed from the paperwork, I do not want to have to refinance the home. This company has been unresponsive
Consumer complaint received 2021-03-30
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. (GA)

On XXXX XXXX I sent a letter to EQUIFAX informing them that there were a number of fraudulent inquiries that appeared on my credit report that needed to be removed. I informed them I had been a victim of identity theft and attached a FTC identity theft report and police report along with my statement, and proof of my identity. By law, they are suppose to remove or block this information from my credit report. I received a letter from EQUIFAX dated XX/XX/2021 refusing to block the fraudulent information from my credit report, which is a direct violation of law. The following inquiries that appear on my EQUIFAX credit report are fraudulent : JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX