davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Herbert P. Sears Co., Inc. (NY)

i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company HP SEARS, ALLEGED account # : HP SEARS ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.
Consumer complaint received 2018-03-26
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. (SC)

Dear Sirs XX/XX/XXXX Re : XXXX ( Equifax is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on my XXXX card reflected in XX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXX and XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXXyet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX, XXXX etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX XXXX I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX  county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently in XX/XX/XXXX I was turned down on a purchase as they refuse to read the facts. 
My phone calls to XXXX have met with no assistance or consideration notwithstanding my much reduced credit usage! 
Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( with a friend ) Tel ( XXXX XXXX XXXX
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (DE)

I am not sure but I keep receiving emails after I filed bankruptcy. I gave them my lawyers information and my lawyer even attempted to contact them. They stop the emails for a few weeks then they start right up again. Here is a copy : Case File No : ACE XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/XXXX 2017 Subject : Notice of Legal Proceedings against fraud activity. Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00} If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
Consumer complaint received 2022-09-08
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. (GA)

I sent letter via USPS on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NV)

I called on XX/XX/XXXX to have my tv and internet services temporarily disconnected effective XX/XX/XXXX. All of my information was confirmed, I then placed the rep on hold and she disconnected. I assumed service termination was processed. I then received a bill the following month. I was told that my request for termination was not processed due to the phone disconnecting. The following month I was contacted by the buyback/loyalty department to get me to resign up for services. I explained the issue with them and was told the bill would be credited, and new services would be installed under a promotional rate and I would also receive a gift card for signing back up. Upon installation appointment there was no line of sight. Due to this, I returned the equipment and was told that my balance was XXXX dollars. I called in a few weeks later to confirm and was told that I did have a XXXX  balance. In XX/XX/XXXX I was contacted by Southwest Credit ( client reference number XXXX ) claiming they were calling on behalf of XXXX XXXX XXXX XXXX. I advised them I owed no money and they should not be calling me. Upon receiving the bill that XXXX XXXX XXXX provided them, I called and attempted to resolve once again and was told I would be contacted by the escalations team after they reviewed the recording and verified my initial request to have service terminated. I requested they pull all recordings thereafter as well so they will have the full story and know how many times I was told my balance was XXXX dollars. I have tried to resolve this issue on my own to no avail, I would like to have all notations on my accounts and all recordings reviewed and charges reversed and deleted. As my balance with this company should be XXXX dollars and I should not be harassed by collection attempts for a balance not owed.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CO)

I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS INDIGO ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, INDIGO IS STATING THAT MY XX/XX/XXXX PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$110.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX. 

THERE IS, ALSO, A LATE PAYMENT, FROM LAST YEAR ( XXXX ), INDIGO IS STATING ; THE PAYMENT WAS NEVER 30 DAYS LATE. WHEN REVIEWING THE PAYMENTS, WHICH I MADE, NONE WOULD HAVE RESULTED IN A 30 DAYS LATE PAYMENT.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I had really rough XXXX-XXXX. I lost my job with XXXX and had extreme difficulty locating a new position due to covid. As a result most of credit cards charged off. I have been working tirelessly to pay off or settle etc. This store- i assume- has gone out of business making it extremely difficult to reach anyone at synchrony to discuss account details. Each time ive called ive been on hold for over 15 min then the line disconnects.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

XXXX XXXX continues to send me notice that I have a payment past due. I have direct debit, money was not properly applied to my account on their end. I contacted customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. There is not a XXXX representative following through on my issue and I need to start at the beginning with every call. I get a different details about how they are managing my payments with each call, and this is still unresolved, not my fault, and potentially damaging to my credit! On XX/XX/XXXX I requested a callback when my payments had been properly distributed on my account and the second level rep promised she would personally make that call, more than a week later FedLoan servicing failed to call but according to my conversation today something was done to redistibute funds on XX/XX/XXXX.
Consumer complaint received 2020-07-12
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)

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my Experian report, page 2 of my XXXX  report and lastly, page 3 of my XXXX  report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

This is a follow up to a memo dated Monday, XXXX XXXX XX/XX/XXXX provided below. 

As of today, XXXX XXXX XX/XX/XXXX @ XXXX XXXX I have AGAIN reviewed my credit report and see NO MODIFICATIONS to the Credit Report surrounding the issues addressed here. I have over Fifty Thousand Dollars of Credit that has been extended by Citi because of my outstanding payment histories. This is NOT REFLECTED in the credit reporting to the Bureau 's and is having a NEGATIVE effect on my credit. Currently as of today I am showing " open '' revolving terms since XXXX/XXXX/XXXX. My PAYMENT STATUS is showing as UNKNOWN. My BALANCE is BLANK ( although there is NEVER A BALANCE ) and my CREDIT LIMIT, AMOUNT PAST DUE and HIGH BALANCE is completely BLANK. My Credit Card statement shows Available credit of over {$50000.00} ( XXXX ) and it is not reflective in my credit report. As such it is NOT PROVIDING A FAIR AND ACCURATE ASSESSMENT OF MY CREDIT SCORE OR CREDIT WORTHINESS. I have contacted Citi over a half dozen times and they continue to tell me that they are reporting it. The Credit Bureau 's claim that the information is accurately reflected from what is being provided. All I am getting is the run around. 

XXXX Monday, XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX, XXXX XXXX DC. XXXX RE : Formal complaint for Citi & Credit Management Department To Whom It May Concern, Over the past few years I have been working to address inaccuracies within my Citi Credit Card account that have been going unreported on my credit report. The exact same information that has been provided multiple times previously and I have not been able get them to report the true and accurate information as indicated in the attachments. 

I have written multiple letters, certified correspondences and have called no less than a dozen times and ca n't get to anyone who can actually help me. I have requested the service reps to document the notes on the account. Even after XXXX DECADES as a customer, I can not seem to even get someone on the phone to speak to. This is IMPORTANT to report as it is having a NEGATIVE impact on my credit currently and if continues to go unreported it has the potential to cost me thousands if not hundreds of thousands in interest costs over the my remaining working years. 

Again, Citi shows an " Open Account " however, it still IS NOT reporting accurately as it still fails to show my 24-month history, my credit balance, by available credit limits or my payments being on time. All of which have a significant impact on credit scoring. 

Please again consider this letter another formal request for this issue to be investigated immediately and inaccurate information is addressed and modified reflective for the life of the account, so that my true credit history, and subsequent score, is reflected with the XXXX major national credit bureaus. 

+++++++++++
Consumer complaint received 2024-03-12
Product: Credit 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: JPMORGAN CHASE & CO. (WA)

I claimed FRAUD, and submitted a 6 page documentation of FRAUD. 

CHASE contacted merchant and inexplicably changed my claim of FRAUD ( and the details ) changed the dispute to " payment made by other means. '' Merchant claimed no evidence to " payment made by other means '' and declined. 

WTH? 

I tried again with FRAUD. 

CHASE contacted merchant and inexplicably AGAIN changed my claim of FRAUD ( and the details ) changed the dispute to " payment made by other means. '' Merchant claimed no evidence to " payment made by other means '' and declined.
Consumer complaint received 2018-03-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Started with loan modification XX/XX/XXXX, have faxed and faxed and faxed, and SPS always says need something else! Example, first need information from a rental, faxed, then by the time that is faxed, now need updated bank statements, have called once a week and always something new! So paperwork sent now SPS needed a verification of mortgage for another property, ask SPS relationship manager XX/XX/XXXX said need P & L or V O M? Have sent both, the VOM was emailed XX/XX/XXXX and faxed and again emailed and faxed XX/XX/XXXX! Then get a letter dated XX/XX/XXXX said was  never sent! ( SEE PROOF ) Said had to disputed so emailed and per letter says have to mail! HAVE PROOF ENCLOSED! This is just 2 proof of how un-ethical and reason not to approve modification, especially since and option arm loan that banks do not offer anymore! Have requested an re-review SPS said too late told them XX/XX/XXXX that paperwork was sent in per there request! This is just one of many items i have proof of! They will refute the complaint but have PROOF of many and this ONE particular proof!
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. ()

I have been getting phone calls from nco financial for months now starting in XXXX of 2016 I have answered some their phone calls and called them back telling them that I have resolved the situation with my bank and requested that they stop calling me, I am now making the minimum payments to my bank to pay off the debt, yet they still call me everyday from XXXX to XXXX, I spoke to one representative and they told me that I should " suit up '' i would like to stop getting phone calls multiple times a day, every day
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letter via USPS on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JDJ Investments, INC. (LA)

XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.
Consumer complaint received 2018-01-02
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: JPMORGAN CHASE & CO. (VA)

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently pulled my personal credit file as I am preparing to get business funding and have received multiple emails from a collection agency in regards to account ( s ) that do not belong to me. The employment info listed on my personal credit report is incorrect and i would like XXXX XXXX XXXX and XXXX XXXX XXXX removed from my employment info. I also see false addresses on my credit report and I need them removed ASAP to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only mailing address I use is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed immediately. I do not live at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. There is also a collection from XXXX XXXX XXXX  that do not recognize ... this needs to be deleted or verified. Overall I see accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i am disputing with EXPERIAN as well again as they refuse to send me verification when requesting information from EXPERIAN or Accounts.