davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (DE)

Indigo MasterCard, Genesis Card holder services, was caught for the fifth time now trying to get money from me that they are not owed. I have never in my life witnessed such a thieving credit card company in my life! I asked them in XXXX what the payoff amount was and they told me {$260.00}, to which I immediately sent them in a money order and was relieved in getting rid of them. Since this time they were ignorant enough to to send me a $ XXXX.and some change bill on a closed account that was paid off. Tonight they sent me an email for my XXXX statement I called them and told them my account was closed in XXXX and fully paid off. XXXX, their employee said that now I owed {$2.00}. I said why are you still attempting to charge fees to an account that was closed back in XXXX? I since called back twice and the third time tonight, this time, their employee, XXXX, stated that she would remove this fee on my XXXX CLOSED and fully paid off account and send me a letter that they would never contact me again or try to further extort money from me. I told her I am contacting their state attorney general once again and reporting their wrong doing. Please call them at XXXX and fine them or hold the, accountable for their illegal extortion towards me. I blocked them from my email too. Thank you. Best regards, XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

On XX/XX/2021, I sent a certified letter to the creditor in which this complaint is about ; asking for a debt to be validated. On XX/XX/2021 I received a response that wasn't directly addressed to my concerns. The bill I received failed to list all the information that I asked in order to validate this debt that's said to be mine. The time frames listed on the bill are passed the Alabama 's statute of limitations for debt collecting. According to the FCRA, a company isn't allowed to report a debt that has not been validated.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XXXX I realized that Citi Bank was charging 28 % on one of my credit cards with them. I immediately called customer service, I have been a member since XXXX never missed a payment until my husband died suddenly in XX/XX/XXXX. I called and explained the situation, they increased my APR at that time I did not realize it until XXXX. I called and did not get satisfaction, so I wrote a letter on XXXX to customer service, when I received my XXXX statement they had lowered my APR to 19 %. I called customer service again, asked about the change and to get a credit for the high interest charged and was told no. I paid off both credit cards on XXXX, they posted the payment to only one account, leaving a credit balance on one and a debit balance on the other. I call customer service again and was told it would take 7 days, it is now XXXX and I have yet to see the payment applied to the correct account, needless to say, this is being reflected on my credit report. Can you please assist?..
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

My name is XXXX XXXX XXXX, XXXX s.s no.XXXX account no all I have is the last four no. XXXX XXXX Someone using my social security number managed to obtain a XXXX credit card using my social security number under the name XXXX XXXX XXXX. The person or persons purchased some products from XXXX totaling {$780.00}. Im disrupting the charges because this a case of identity theft.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX
Consumer complaint received 2022-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

My identity was stolen. I disputed the accounts multiple times. There are repeated accounts on my credit where they have added it multiple times to the same account. Said they hired an attorney to take care of the debt that was never even mine.
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

To whom it may concern, Citizens Bank has such a terrible job getting my loan closed this will be my second complaint within a week because they are still giving me problems I had to switch lenders because we were pushing the 90 day mark and they are now refusing to transfer my case number for loan XXXX which was requested over 1 week ago they have also The phone that it has been transferred which is false information I just checked with my new lender and they HAVE NOT received it as of XXXX a.m. here on Monday XX/XX/XXXX. 
Thanks a bunch for your help in advance and if you have any questions please feel free to contact me at the number below or my email address thanks again Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed  + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc
Consumer complaint received 2021-09-20
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)

hello I have a Capital One Platinum secured card with a starter limit of ( XXXX dollars ). I've had this card for almost 3 years. In XXXX from XXXX to XXXX, I lost my job and I was not able to make payments on the credit card and once I missed a payment in XXXX XXXX. Total of 5 missed payments. I've made on time payments for this card for 2 years in a row starting from XX/XX/XXXX to present. Yet the credit card companies still reported this late payment history on my credit score. I need help removing these derogatory marks because I've tried to call Capital One and I was told by them that nothing could be done. XX/XX/XXXX one time late payment was a mistake i made and XXXX to XX/XX/XXXX was a job loss and could not make payments. I am asking for help in this matter, again I've been on time for 2 years now and I want these derogatory remarks removed PLEASE.
Consumer complaint received 2018-10-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; PORTFOLIO RECOV ASSOC XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX, XXXX in XXXX, Florida is reporting a {$0.00} XXXX balance on my credit file. The company said that I paid the collection directly to XXXX XXXX. XXXX is saying they have no record of me going to collections. IT has all the information then it say XXXX balance. I have never made any payment to this company.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. ALSO, THERE ARE 3 ACCOUNTS REPORTING FOR THE EXACT SAME AMOUNT. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
Consumer complaint received 2020-07-16
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. (LA)

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia Motor Finance has a deferment program which I applied for and instead of them trying to help me they refuse to - my loan will be 60 days late by the XXXX of this month and they will not help - they say they will approve you and then tell you that there is a document that you need to sign and send back however in the meantime they do not sent the document and this will impact my credit - they are not being helpful at all.
Consumer complaint received 2018-10-29
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: JPMORGAN CHASE & CO. (MO)

I recently opened my credit report and discovered unknown accounts ; CHASE AUTO XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Consumer complaint received 2020-01-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX has me down as owing them on four accounts that are not mine. They refuse to assist. I have gotten a few times where they say I do not owe them anything and they have no info on me. I have these convos in e-mails to prove this claim. With that being said they're reporting my credit for four accounts that are not mine.
Consumer complaint received 2018-03-08
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: Bread Financial Holdings, Inc. (AL)

Creditor : XXXX XXXX Credit Bureau : XXXX   XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX  on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or XXXX   who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (FL)

Balance {$3700.00} Dear Sir or Madam, On XXXX XXXX, 2021 I notified Hunter Warfield Inc in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Hunter Warfield Inc refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Hunter Warfield Inc under the Dodd-Frank Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-16
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. (OH)

XXXX 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact XXXX and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I contacted capital one credit card company. I explained that we paid the account off with a trust account guy confirmed that it went through as payed. We then owed {$1200.00} final notice dated XX/XX/XXXX. I asked for them to take some of the late fees and the over draft charges off. We called and asked several times to remove the charges they refused to do it. I did eventually payed the account down but had to suck up the extreme past due amount of {$1200.00}. The account credit limit was {$800.00}. Capital one just cares about money, no sympathy or wiggle room. Even XXXX store ( XXXX 's credit ) removed {$200.00} in fees. I don't understand why one of the major credit card companies can't help at all.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.
Consumer complaint received 2022-01-15
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. (TX)

The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help
Consumer complaint received 2020-07-16
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2018-03-08
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. (CA)

On XX/XX/XXXX my payment of {$550.00} was returned for NSF. It so happened that money was taken out by mistake from the State of California. Thus causing me to bounce my check. I have had this lease for 3 years and I have never been late. My credit score went down because of this action and it will affect my ability to buy my car at the end of the lease. Which is due on XX/XX/XXXX.