davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (NJ)

I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
Consumer complaint received 2018-06-05
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. (VT)

XXXX XXXX XXXX, I believe on behalf of XXXXXXXX XXXX, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX XXXX XXXXurrently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-10
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. (NY)

XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WA)

I signed up for the  Barclay Gold MasterCard arou nd  XXXX   XXXX . I was approved for the card with the following benefits : 0 % interest for the lifetime of the card while I was on  XXXX   XXXX  service, annual fee waiver of {$990.00} ( {$290.00} for each Authorized User added to the account ) for the lifetime of the card while I was on  XXXX   XXXX  service, and other small benefits. I recently received an email stating that Barclay changed their terms and are now making me pay the annual fee. The only way I can avoid the fee is paying off the entire balance of the card and canceling by  XXXX   XXXX . I am currently unable to pay off the card in this short amount of time and will be forced to pay the annual fee of {$990.00}. The entire reason I even got the card was because the original terms had the fee waived, I am unable to afford a credit card with an annual fee of {$990.00}.
Consumer complaint received 2021-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (TX)

On XXXX an application was filled out and processed with XXXX XXXX for a XXXX loan, On XXXX I received a XXXX with the lender being listed as Capital Plus Financial, I was informed that I was approved and it would take up to 7-10 business days to fund the loan from the date of the completed XXXX. I am filing this complaint in accordance with the Truth In Lending Act & Federal Consumer Protection laws Title 15 chapter 41 section 1692 and Fair lending act 15 U.S.C. 1691 et seq. I have not been funded and the lender is unresponsive.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my credit score monthly. I 've contacted them and spoken to a representative twice over the p ast two mont hs. They continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) stat es differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
Consumer complaint received 2017-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This account is a Capital One # XXXX ... ..I was sue by Capital One even I prove I have some fraudulent Charges. They credit part of the balance so I paid out of the court part of the balance to there 's attorney and the main problem they do n't recognize that I have paid in full the remaining balance. I have my XXXX report and still show some remaining of {$2700.00} and the status is report as Delinquent. I need help to completely removed as a result of affect my credit life style
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC (IA)

I applied for a loan through quicken loans, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the quicken loan officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.
Consumer complaint received 2017-06-16
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)

I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They continue to tell me that the account shows as closed and noted my ba nkruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) states di fferently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
Consumer complaint received 2018-01-14
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. (IL)

I am a victim of identity theft and even though Ive provided a police report to Equifax and over 6 disputes since XXXX XXXX, Equifax refuses to remove a fraudulent account by the name of XXXX XXXX XXXX and XXXX both removed XXXX XXXX  within 48 hours of me disputing it along with my police report back XXXX XXXX. Equifax states that XXXX XXXX verifies my DOB, address and last 4 SSN. They have no signed contract or paperwork showing that I ever authorized an account with them and I was told whoever opened the account did so online. XXXX XXXX is now showing closed/ charged off on equifax and has drastically dropped my score and is preventing me from obtaining favorable credit. This is not my account nor did I ever authorize it to be opened in my name. I have filed a complaint with BBB of XXXX and with the FTC. Equifax is violating FCRA and I want this fraudulent account removed from my credit file immediately due to identity theft and they have my police report on file.
Consumer complaint received 2018-01-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc (TX)

This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. 
They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.
Consumer complaint received 2017-06-16
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. (PA)

I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. T hey continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  burea us ) state s differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
Consumer complaint received 2024-05-23
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 (PA)

I needed to reset my password and reinstall the Venmo app. I was having issues getting a verification code from the company. I hit the " request code '' and the email never arrived. I was able yo verify my account and get the code by text. I tried to login but then ran into an authorization error code. I contacted the company by phone and email yesterday and have not received a response. When I tried calling, there was no option to speak to a representative and the call menu items did not address the issue I was having.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

RE : CITIBANK  CARD  XXXX   XXXX   XXXX   XXXX  I saw, online, a promotion that would return {$300.00} if one spent {$1000.00} in 90 days. I received the card and spent {$1000.00} in 30 days. CITI tells me that that offer was only valid if CITI solicited for you to take it. Advertising something online sounds like a solicitation to me. CITI says it will give me {$300.00} if I spend {$3000.00} in 90 days. Pompous, hostile and unacceptable is this  50o0 LB Gorillas  stance. I wrote t o CITI and received, about 2 we eks ago, a call from the Exec office telling me they would deal with the problem by the  XX/XX/XXXX . Unsurprisingly, I have not heard from them. It would appear that I must have made this offer up from CITI 's viewpoint.
Consumer complaint received 2017-06-16
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. (CO)

Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Consumer complaint received 2017-06-16
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.     To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.     It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   #  XXXX  3.  XXXX   XXXX   XXXX   #  XXXX , #  XXXX , #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
4.  XXXX   XXXX   XXXX   #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
5.  XXXX   XXXX   #  XXXX this account has no contract error please delete never done business with this company.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (VA)

On XXXX XXXX XXXX Venmo account was scammed it was unauthorized purchases and withdrawals made on my Debit Card. 
My Debit Card is with me @ all times and know one has excess to my card or use my card but me. I contacted Venmo card services as soon as I was aware of the situation which was on XX/XX/year> on up until the end of XXXX they refused to refund me my money and denied my claim and closed the claims. 
Until this date they had not forward me any information on what they done to try and see where this happen or nothing I was treated like I was the criminal. I did contact XXXX Police Department they did there investigation but it did not happen in this area and I tried to explain that to the Venmo representative but that didn't help any @ all they didn't wan na hear what I was trying to explain to them they were just nasty and rude. But they forward me a new Venmo Card which I refuse to use because of the way they treated me as a Venmo customer.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (PA)

I had a Ch  XXXX  bankruptcy discharge on  XX/XX/15   .  Continental Finance c redit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts m y credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They co ntinue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureaus  )  states differently. I 've also disputed through the credit bureaus and  XXXX  -Continental Finance sen ds them false bank account information.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MA)

I am letting it be known by this means that I have been fighting this XXXX  account since XXXX or XXXX which I am being charged for money for a device that I do not have and have not had. I also want you to review the signature that appears on the contract for the devices since it is not the same signature that I have on all my documents or on my driver 's license and my passport. This account has already been disputed twice which removed it from my credit report and the collection agencies come back and sell it to another collection agency. which I want to stop all this from my credit report.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in complian ce with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It  is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of t he FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as :  1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   # 1  XXXX   3.  XXXX   XXXX   XXXX   # 1 XXXX , #  XXXX ****, #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please pro duce a copy of my signature or contract or delete account error.    4.  XXXX   XXXX   XXXX   # 1 XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.     5.  XXXX   XXXX   #  XXXX this account has no contract error please delete nev er done business with this company.