davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me re : creditor XXXX XXXXXXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was informed by XXXX and XXXX on XX/XX/XXXX of a change to my credit file and because I have an account with them I logged in and was made aware that I have an outstanding debt with XXXX XXXX in the amount of {$1800.00}. This account was opened in XXXX of XXXX. I have never had XXXX XXXX and contacted the debt collection company that this debt is owned by, XXXX XXXX XXXX yesterday XX/XX/XXXX to let them know this account is not mine and that it is fraud, and that I would like it immediately removed from my credit report. They informed me I would receive a fraud package in the mail in 2-3 weeks and that I would need to contact the credit reporting agency to let them know it is fraudulent because they do not deal with this type of thing. I have since tried to dispute this account on my credit report 2 times and XXXX  continues to claim this debt is mine, when it is not. This account previously showed up on my credit report with another collection agency named XXXX XXXX XXXX in XXXX of XXXX and I disputed it because it was not my account and it was removed from my credit report. I am not sure why this keeps popping back up on my credit report, but it is not mine. I have also disputed this with XXXX, but have yet to hear back. Please resolve this issue because it is negatively impacting my credit score and should NOT be on my report.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XX/XX/XXXX someone accessed my Chime account and transferred {$700.00} from my savings account and transferred it to my checking account. They then sent the {$700.00} to someone that it don't recognize. I called chime right away the same day and told them what happened. Instead of blocking the transfer, they opened a dispute and the very next day the declined the dispute. Now today XX/XX/XXXX XXXX purchases were made on my account and when I called Chime again, I was told there was nothing they could do while the purchases were pending. They want me to wait till the purchase to go through and then file a dispute instead of refusing the purchases.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (PA)

In XX/XX/2019, I reported to Ally Financial that one account had been fraudulently opened in my name on XX/XX/2019. Ally financial instructed me to complete an affidavit, file a police report, and inform all major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Ally Financial that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Ally Financial that I owe them. Ally Financial is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2020-07-14
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2018-06-12
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: Experian Information Solutions Inc. (GA)

I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.
Consumer complaint received 2020-07-14
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (TX)

I applied for XXXX XXXX to help fund my daughter 's education. I applied with Sallie Mae and they sent me denial letter stating I was denied due to student loan delinquency of 90 days or greater. I reviewed my credit report with XXXX and did not find any student loans delinquent.
Consumer complaint received 2020-07-14
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)

To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Company has reported debt to credit agency that is false. They have repeated call multiple time a day and refuse to speak with me about the account without giving them personal information over the phone such as my social security number or birth date. They have made no attempt or allowed me to Identify myself through address or phone number. They have provided zero written proof that the debt exists. The last phone call today they refused to give me their business address so I could send them a written correspondence. They have also refused to answer what state they are licensed to do business in. When I try to go to the website of the company and put my personal information in it says that no records are found.
Consumer complaint received 2020-06-28
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 Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OH)

XX/XX/XXXX we got help from XXXX XXXX XXXX they sent our mortgage company {$35000.00} and a XXXX loan to catch up our arrearage and the rest was applied to the principal which brought our payoff to XXXX. Then our mortgage got sold to a different debit collector. We sold this place in XXXX XXXX XXXX and for some reason our payoff after 7 years of payments it was still at XXXX where did our payments of 7years go to. This loan switched hands at least 6 times before we sold it. I feel that the payoff on XXXX XXXX was wrong. We had also with the XXXX had a deferred amount that was to be paid at payoff was added to our balance a least 3 times the amount was {$8200.00}. I am hoping that you can look into this matter so no one else feels used like we do.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (NY)

XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.
Consumer complaint received 2021-08-08
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 — Problem with personal statement of dispute
Company: First National Collection Bureau, Inc. (AR)

I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. First National Collection Bureau , Inc . Contacted me re : creditor XXXX XXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.
Consumer complaint received 2020-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OK)

Ally auto financial granted me a extension on my car loan due to the Covid 19 pandemic. I received a letter stating my loan will be extended for 120 days. 
Ally did NOT stand by their word. The extension has NOT been applied to my account. I have contacted allys customer service more than 7 times. Each time I was given a different excuse. I was hung up on 4 times, I asked to speak to a manager, I was hung up on. I was shamed for needing the extension, asked if I couldnt afford my car and told my extension should have never been granted and asked who was driving my car. I told the employees each time I had not worked in 3 months due to the pandemic. 
I have tried everything I know to do to get my extension. Ally has given me their word ( I have a letter ) I could have 120 days without a payment. They are cruel for giving me false hope. If thats not bad enough my credit is being ruined because I cant afford to make my payment due to not working because of the pandemic. 
I am disgusted a company could XXXX their customers over during a pandemic. 
They should be ashamed. Their behavior is inexcusable and just straight up cruel.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I wanted to send funds to my friend in XXXX and she suggested XXXX. I downloaded the app onto my IPhone. Next, I attempted to create a new account. My email address showed up as having an account already. I didn't remember having an account with XXXX, but I followed the prompt for 'forgot password. ' I was able to get the verification code and successfully logged in. I initiated a payment to my friend and something strange occurred- a different address popped up. I changed the address, thinking it was just a pre-populated example of an address or something. I confirmed the payment and then I saw a screen that showed me a different person 's name as the sender of the payment, as well as a different phone number. I saw the option to cancel and immediately selected it. The money has already been debited from my checking account in a pending transaction. I also received an email stating that my I called XXXX customer service and they confirmed it can take up to XX/XX/XXXX days for the hold to drop off. I am unhappy about that, but I am much more concerned with the safety of this platform. How could this happen? Who is the other individual? Were they using my personal email address on the company 's app? Is my email address linked to fraudulent activity? Why am I unable to create a valid account using my personal email address? I did not receive any satisfactory answers from customer service even when I escalated to a XXXX.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

This collection company, Holloway Credit Solutions, sent documentation for two accounts that they are reporting on my credit report with my protected health information on it, which this collection company should not have at all. This collection company having my protected health information is a HIPPA violation, which is against the law.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid 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 (CA)

I was vitim of identity theft. my Capital one Credit card was stolen from mail and used at a store during COVID 19 lockdown XXXX XXXX when I found out, I contacted Capital one immediately and disputed the charges. {$3400.00} initially they accepted that but then they rejected since whoever stole my card had the actual card and used it as a chip card. I have a police report aswell, and I was able to identify the fraud people, but Capital one still bills me for the charges.
Consumer complaint received 2020-07-14
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. (FL)

XXXX XXXX  is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, XXXX XXXX  violates fair and accurate reporting of payment made to their bank. Additionally, XXXX XXXX changed the agree mid XXXX to state XXXX   payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2020 I attempted to pay off my vehicle loan with Chrysler Capital Account # XXXX. I received a payoff quote on Chrysler Capital 's website, but when I tried to make a one-time payment, the website said that the daily limit was {$2900.00}. I tried various methods online, none of which allowed me to make the payment. I then called Chrysler Capital, and they told me that they would not accept a payment greater than {$2900.00} on their website. I was told my options were to 1 ) mail a paper check, 2 ) make 12 to 13 payments of {$2900.00} each, or 3 ) figure it out with my bank on how to pay CC, such as getting a cashier 's check. I am not about to go to my bank in the middle of a pandemic to figure out how to pay an auto finance company, and I don't use paper checks due to identity theft that has happened to me before by using paper checks. So I guess I'm stuck with making 13 payments over the next 13 days, all while CC continues to assess daily interest on my account. The call was escalated to a manager and then to the executive support team. No one could tell me why the {$2900.00} daily limit was in place, so I am left to assume that CC wants to make it hard for their customers to pay off their loans so they can accrue more interest. Shameful - I've had ~10 auto loans in my life and I have paid all of them off early, either by a simple phone call or online. Chrysler Capital 's policy is clearly UDAAP - by saying they have no prepayment penalty, they neglect to calculate the additional interest a consumer will incur by navigating their arcane payoff methods. Chrysler Capital could teach cable companies a thing or two about making it hard for customers to end their service.
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (TX)

These inquiries below are not authorized by me.

XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (AZ)

My reports from TransUnion and XXXX both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX  is not reporting it. I have contacted TransUnion, XXXX and XXXXXXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.