davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Paypal transaction with XXXX merchant on XX/XX/21. 

Refunded approved on XX/XX/21. Paypal promised funds back into account 3-5 business days and still have not received and no anticipation date of when I will be receiving them upon calling them.
Consumer complaint received 2015-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Affiliated Acceptance Corporation (CA)

I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. 
I told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %.
Consumer complaint received 2020-10-18
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 — Investigation took more than 30 days
Company: CURO Intermediate Holdings (TX)

My Credit Repair Company has sent letters on my behalf requesting the collection agency to validate the debt. I have not received an update from the credit reporting agency or the collection agency. The accounts are still reflecting negatively on my account and none of the assumed debt has been validated.
Consumer complaint received 2020-10-17
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: Experian Information Solutions Inc. (PA)

XXXX is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Delinquent account — 
Company: Santander Consumer USA Holdings Inc. (GA)

On XXXX XXXX, 2015 I submitted a payment request from XXXX XXXX XXXX bill pay services to pay the amount of {$84.00} to Santander Consumer USA in regards to my XXXX Credit Card account. The payment was to be paid on XXXX XXXX, 2015 which is approximately two days before my scheduled payment due date of XXXX/XXXX/2015. I sent the payment for the XXXX so I would not fall 30 days behind. The payment was delivered by XXXX XXXX XXXX via electronic check on XXXX XXXX, 2015 with a confirmation number of # XXXX. The payment was not credit to my account until XXXX XXXX, 2015 by Santander. I received a 30 day late notice on my credit report in regards to this payment. When I contacted Santander they stated that the payment was not received until the XXXX, but quickly changed there statement when I provided documentation from XXXX XXXX XXXX confirming the payment. A copy of my documents was provided as requested so the corrections can be made to my credit report. I was instructed contact Santander on XXXX/XXXX/2015 to confirm that the changes have been made. On XXXX/XXXX/2015 Santander stated that they are not going to change the report because it was not there fault that they credited the account on XXXX/XXXX/2015 instead on XXXX/XXXX/2015. They stated that the information was not enough to support my request.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.
Consumer complaint received 2015-06-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (CA)

I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS. I have contacted Herbert P Sears Co at XXXX XXXX XXXX XXXX CA XXXX the collection agency for the Original Creditor : XXXX at XXXX XXXX XXXX XXXX XXXX, California XXXX, both by Certified Mailing on XXXX XXXX, XXXX regarding account # XXXX. 
HP Sears, to this date, has failed to submit a response to me. 
This account is not mine. I had FULL Benefits Medi-cal at the time I and my family ever had service done with XXXX XXXX and since XXXX when HP Sears have said these debts were incurred, I had XXXX. These are not my debts and HP Sears refuses to show me proof that these debts are mine. I know this is a common practice for HP Sears via XXXX to ignore any and all " Dispute Letters '' from any and all consumers, as I have come across many consumers with the same false reporting tactics that HP Sears has filed with all XXXX reporting agencies. I also am aware that this is a common practice for this company to not comply with FTC, FDCPA and FCRA. These companies just do NOT care. 
Please see the letter attached to HP Sears. I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. HP Sears never wrote me back.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

At approximately XXXX on XX/XX/16 I received a credit alert that I had a new inquiry on my credit file. I immediately call XXXX and XXXX to place fraud alert on my file. I next called Capital one to advise of fraud, they as well cancelled card and placed a fraud alert against any new applications with my SS #.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (AL)

I disputed this Spring Oaks Capital LLC collections with XXXX XXXX XXXX and informed XXXX XXXX XXXX that the account was opened with Spring Oaks Capital LLC fraudulently. Also reported that this collection account was showing as a open account on my credit report and shows a past due amount. XXXX did not remove the inaccurate item instead stated in the comments dispute resolved, customer disagrees. See attached files below to show this item showing on my XXXX credit report. I never opened any credit account of any sort with Spring Oaks Capital LLC and account should be removed from my XXXX Credit Report
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I disputed several times inaccurate information, XXXX XXXXXXXX XXXX has continually electronically verified erroneous information, they did not disclose to Experian that the alleged old debt from XXXX was closed by me, due to charges that were fraudulent, Experian has not sent me any of the original file that had on the debt, also Experian has not sent me anything that the former creditor had released to them, they did not follow statute of verification per federal fair credit reporting act, and continually blemish my rating with this erroneous data. 

Experian also has not removed a satisfied debt via XXXX, XXXX XXXX XXXX XXXX XXXX, that was to remove the file from my credit, per agreement we settled on ... both cases are now in a federal docket filing in court awaiting a court proceeding date. 

Experian continually leaves unverified or failed to disclose the information that former creditors allegedly sent them, they did not verify, they only accepted inaccurate file case records.
Consumer complaint received 2020-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (KS)

I have a right to better myself and my only son also. I have been disputing this same company for years! They call themselfs LVNV FUNDING LLC. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now LVNV FUNDING LLC THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (CA)

I paid my mortgage twice on accident so when I called they told me they would be able to refund my money back. I talked to them XX/XX/XXXX and today is XX/XX/XXXX. I called the second time and they said they mailed my refund. When I called the third time they told me they dont do refunds and couldnt see the check cut out for me. But upon investigation they saw that the payment I made was already taken out from my account. I have not received my money back. And my mortgage is about to be due again.
Consumer complaint received 2016-09-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is a sinister company they have double damaged my credit with XXXX different companys harrasssinmg me non stop EVERY XXXX DAY FOR 10 YEARS! my XXXX can you do something about this im going crazy im desperate for you guys to delete them out of my life forever please i beg you. this guy in 2009 threaten my life on the fone he wont let me hang up and i was driving on the freeway and thats illegal here. please im scared of them. they have XXXX type of coworkers im scared for my life. thank you XXXX please save me thanmk you.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally file a complaint with the Consumer Financial Protection Bureau following notification that I was the victim of a data breach which has led to the appearance of unauthorized and suspicious accounts on my credit report. 

Upon reviewing my credit report, I have identified several accounts that I believe have been opened fraudulently as a direct result of this breach. 

Please see attached documents. 

As a consequence of these unauthorized accounts, my credit score has been adversely affected, and my personal financial standing is at risk. This situation constitutes a serious infringement of my rights and privacy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby demand the immediate removal of these items from my credit report. Furthermore, I am seeking statutory damages in the amount of {$1000.00} for each instance of illegal reporting by the credit bureaus as allowed under the FCRA. It is my understanding that entities who fail to maintain proper procedures to ensure the accuracy of my credit information are liable for such damages. 

I trust that the CFPB will take my complaint seriously and assist in rectifying this situation promptly. I expect to be notified of the actions taken on my behalf and to receive confirmation that the fraudulent accounts have been removed from my credit files. 

Please find enclosed copies of my credit report highlighting the suspicious accounts, along with any other relevant documentation.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MD)

My name is XXXX XXXX I was changing insurance from XXXX to XXXX and my cost jumped {$60.00} a month because of lexisnexis claiming that I have a violation on my driving report. I addressed this with lexis nexis and send my full driving record to them kn XX/XX/XXXX and asked for my consumer report on the XXXX and I haven't receive any correspondence from them as of today. I am a XXXX XXXX and depend on my driving record for my employment.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (GA)

XXXX Insurance canceled my policy because Lexus Nexis Risk Solutions, XXXX . XXXX, XXXX XXXX Report reported to them that I was in a At fault accident and received a citation on XXXX. I was not issued an citation for any accident period. My official XXXX and XXXX records do not even state this information. Lexis Nexus and or The XXXX Report are not government agencies but some how have mustard up the authority to have ones insurance canceled do to false information. I contacted XXXX who admits themselves that both my XXXX and XXXX record is clean and show no violations. However, since Lexis Nexus told them I have an at fault ticket they had to cancel my policy or double my rate. As of now I have no car insurance with no tickets or violations listed on my GOVERNMENTAL ISSUED DRIVER REPORT from the XXXX. The governmental agency that is authorized by the government to handle all drivers records. How can a consumer reporting agency not authorized by any government have my insurance canceled and rate doubled and the information is incorrect. Lexis Nexus told me that they had authority over the XXXX and XXXX and there records are never wrong. I will be a seeking legal representation pending the results of this complaint.
Consumer complaint received 2020-10-17
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: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens One Bank reported me and my wife as over 90 days late on mortgage payment for XXXX and XXXX. this report dropped our credit score more than 100 points for both of us. 
I did pay both months on XX/XX/2020. 
we were in the processing of refinancing our home loan, but because the drop of our credit our application has declined. 
we started the application in XXXX. the new bank asked Citizen bank many times for the payoff balance many toms, but Citizen bank didn.t provide the information and this cause a huge delay on payment.

closing was scheduled in XXXX, but Citizen didn't give us the Payoff balance. Then  scheduled in XXXX, XXXX and then XXXX. 
we got the payoff balance only in the end of XXXX when I called by myself to aske for it, but the bank was reported us already.

my wife and I are essential workers. we work hard to build our credit. we haven't reported as late payment before.

could you please help us to fix our credit score so we can refinance our home loan.

I have attached a copy of my credit report. you can see that  XXXX and XXXX over 90 days. 
I don't understand how come XXXX and XXXX are over 90 days when they are not 60 days away yet.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TN)

have loan with aes through XXXX. have been paying on this loan for 10 years and only {$300.00} has been applied to {$8000.00} loan. i am now XXXX and on fixed income. my sister co-signed for this loan in 2006 and now they are threatening to sue her. i have asked for history payment and never receive it. am at a loss now and need help. thank you..
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Revenue, Inc. (PA)

I never enrolled in the school and yet they have {$510.00} bill that I do n't owe. I did n't go to the school and I do n't owe this debt. They promised me in XXXX they would remove this charge but I see in XXXX it is now a red flag on my credit report. This is wrong on every side, especially considering I DID N'T attend the school. 

I XXXX from a XXXX program in XXXX but never attended after that. They rejected my application for the XXXX program so the debt is not mine.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I received a copy of my credit report and a collection from Portfolio Services appeared for {$1300.00}. By law and according to the FCRA, I should have received a notice in the mail for a debt validation and have 30 days to receive validation of the debt that they say I owe them. I have no signed contract with this collection agency, nor do they have anything bearing my signature. If this is not deleted, I will file a lawsuit with my local court. This should be deleted immediately
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have been paying student loans with XXXX XXXX for a few years. I havenever missed a payment on my loans. I was paying interest only for a fewyears {$440.00} a month. XXXX XXXX and myself agreed to pay {$550.00} startingXXXX XXXX. I was told this would be my payment from now on. I lost myjob making {$50000.00} a year. And now I make {$20000.00} a year. I stillmanage to make my payments. Now, they have sent me a payment of {$640.00} a month. And there is no way I can pay this. Seem like they aretrying to put me in default. I have friends that are in default and they arenot trying at all to make payments to XXXX XXXX at all. I 'm going tocontinue making my payment of {$550.00}, and that 's the best I can do. 
I have contacted my XXXX XXXX XXXX XXXX and you 'll on thismatter. I would appreciate any help on this matter as soon as possible. 
Thanks.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OR)

In XXXX I qualified for Social Security XXXX benefits which were transferred to an account with a Direct Express prepaid card. I was incarcerated in AZ in XXXX and the SSI benefits continued to be transferred and were then later reported as an overdraft. Due to my incarcerated I never received these benefits or had access to them. During this time someone accessed my account and withdrew over {$3000.00} using my stolen Direct Express card. After being released Social Security sent an overpayment bill requesting repayment, when I accessed my account the money had been removed without my authorization. I reported the fraudulent activity with Direct Express, they denied my claim in XXXX, XXXX because I had not filed a police report. The website claims to are liable for this type of fraudulent activity, I included evidence and proof to Direct Express Consumer Complaint Department but this was all denied. Several attempts to contact consumer services have lead nowhere. Once I contact a service representative and verify who I am, I end up transferred or on hold for hours only to be transferred again. Most recently I called XX/XX/XXXX and remained on hold for over an hour and half. I was transferred to a completely different company ( go services ), transferred back again and told I was unable to verify because I did not know the phone number used to create this account ( 3 years ago while experiencing homelessness ) and told me there was no way to verify without this phone number. When I first attempted to report the fraud, Direct Express blocked me from the account and I have been unable to access it since. The company claims to repay money transferred fraudulently with a loss up to {$500.00}, however they refuse to acknowledge my reports. Currently, I am unable to repay my SSI because that money has been stolen and Direct Express refuses to help solve this claim dispute. The customer service have been completely unhelpful and I feel that they just do not want to repay this money that is rightfully mine.
Consumer complaint received 2020-05-26
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hello. I got a notification from XXXX  that someone attempted to open an account today between XXXX and XXXX EST XX/XX/26. I did not apply for credit, nor did I wish to open any accounts. My information has been compromised.