davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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 (CA)

I received an email and a voicemail from XXXX XXXX letting me know that there was a credit inquiry associated with Capital One. I called Capital One, and the representative confirmed that someone tried to open a credit card in my name, and that they would look into the problem. Please note that someone tried to open a credit card in my name at Capital One last year as well, also in XXXX.
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MO)

I never received information on when my vehicle will be repo. I called Friday to see if I could get pym arrangements or put pyms on hold due to Covid19 and was refused. Tuesday my truck was picked up. No letter in mail no email no phone call saying I have until this time to that time to make pym or vehicle will be repossessed.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I set up autopayments online, but macys did not process the the autopayments and hit me with a late fee. I had to go call in to pay the bill because the online portal does not work. The same happened to my dad and to other friends. It is a known issue on their side and they won't correct it on my credit report. I have perfect payments except for that incident because THEIR systems failed. I've been asking them to remove it for years.
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-13
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: U.S. BANCORP (NH)

Us Bank incorrectly put late payments on my credit report showing XXXX and 60 days late my bank XXXX XXXX verifies they made the error as I had auto pay connected
Consumer complaint received 2020-08-13
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 (CA)

On XXXX XXXX I received and email about a fraudulent transaction, in the amount of {$730.00} ( email attached ), on my PayPal account. I reset my password. On XX/XX/XXXX, the password was reset again, not by me. 4 other fraudulent transactions were made ( attached ). At this point I realized my account was compromised. The bank card that was used to compromise was no longer in use. So, I decided to close the account. I called, but was not able to talk to anyone on the customer service line because of " extended service times '' ( I did not hang up the phone, I was hung up on by the automated service ). The  password to my account was again changed by someone else. I'm not sure if PayPal was compromised? Apparently you can reset your password a million times a day without raising any red flags- horrible security. That day I logged in and turned on 2 Factor Authentication in an attempt to secure my account. The 2FA is not working, so I am now locked out of my account. Yesterday XX/XX/XXXX and today XX/XX/XXXX, I again called PayPal. Both times I was eventually hung up on after their extensive automated service. I can not get assistance without logging into my account, and there is no way to log into my account! I just want to close my PayPal account permanently, but they will not allow me to do so. I already had to close one bank account and freeze the card on another bank account because of their shoddy security practices and lack of customer service. Please help before any more damage is done by this negligent and unregulated company!
Consumer complaint received 2020-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Unfair crediting scores. Credit companies like Equifax and XXXX  rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored +XXXX  points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?
Consumer complaint received 2023-01-23
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (NY)

I sent two certified letters to two different creditors with a 30 day time frame for each letter disputing the negative remarks showing I owe monies to these companies on my credit report and got no response. I also sent a certified letter to the three credit bureaus with no response as of yet.
Consumer complaint received 2018-11-24
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: LEXISNEXIS (IL)

LexisNexis claims to be unable to process my request due to inability to authenticate me based on the information I provided. I used a letter on XX/XX/2018, used by many others to which LexisNexis has responded to by starting investigations. The public records are the identifiers of note. LexisNexis has violated the FCRA 30-day provision. If LexisNexis can not validate me it seems the public records can not be validated either. Asking for additional information is a well-documented delay tactic of LexisNexis. The bankruptcy and my demographic info is what is needed as per other complaints to your company. The FCRA clearly outlines the information I am required to provide. I provided the information with my dispute on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The public records are below : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc. (CA)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. Pursuant to 15 USC 1692g ( b ). 

I sent certified mail USPS ( XXXX XXXX XXXX XXXX XXXX XXXX. ), a notice to the consumer reporting agencies about some inaccuracies furnished on my report. 

I also sent certified mail USPS ( XXXX ) to progressive management services about these inaccuracies
Consumer complaint received 2021-07-12
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. (PA)

Goodafternoon, I am a victim of identity theft, In XXXX I was victim of a data breach that leaked all my information. My social, my id, and my address were all leaked. Now I have been dealt with a very bad hand because I have multiple fraudulent loans that are on my report. My family and I are now struggling with purchasing a place called home because of these accounts. Now I know that in XXXX there was a data breach in your company so you do understand the effect of what happens to people. According to the FCRA 605b 15 USC 1681 c-2, the accounts that are listed must be blocked in removed within 4 days. These are not my accounts I am a victim of identity theft I did not benefit at all. My life is being ruined help me from the shackles that I am being held in from being a victim. I have attached a FTC report, identity theft affidavit notarized, proof of identity, and proof of address with a bill.
Consumer complaint received 2018-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

It is time for me to recertify my Income Driven Repayment plan for my student loans. I submitted my request on XX/XX/2018 and I was told I would receive a follow up email a month ago, each day the due date keeps getting pushed back. Now I am supposed to receive email on XX/XX/2018. I haven't received an email. I've asked them what is going on, and haven't received a reply. 

Please help. Thank you.
Consumer complaint received 2018-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (OR)

On XX/XX/18 I received a payday installment loan of {$550.00} from Bright Lending. As of XX/XX/18 I have paid a total of {$740.00} to Bright Lending ( more than covering the cost of the loan ). Despite paying the loan off, my balance according to the website is {$580.00} ( more than the original loan amount!
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

In late XXXX, I received a letter from XXXX XXXXXXXX XXXX XXXX XXXX claiming that I owed them {$1100.00} relating to damage to a rental vehicle with which I was involved in a minor accident and for which they claim I am responsible. Because there was no damage to the vehicle in question resulting from the accident in which I was involved, in XX/XX/2020, via phone, I asked that XXXX send me a copy of the police reporting relating to the accident but continued to receive multiple letters claiming that I owed the money. Finally, on XX/XX/2020, after asking via phone on multiple occasions, I did receive a copy ( via email from XXXX ) of the police report in which it is written that there was only minor damage ( scratches to the bumper ) to the vehicle in question. I advised her that I didn't think I was responsible for the debt because there was no damage caused by the minor accident I was in and the claimed date of loss was almost a month after the date of the accident. The vehicle may have been damaged, but I didn't cause the damage. Notwithstanding all of this, the matter was sent to a collection agency ( Transworld Systems Inc. ) and they sent me a first letter dated XX/XX/2020 and continue to send subsequent letters. I have now been sent to collection for a debt that I do not owe and which has not been established that I owe. I worry that this improper attempt to collect a debt I do not owe will soon show up on my credit report.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ID)

I put a " stop payment '' on a check for my Wells Fargo bank account on XX/XX/XXXXXXXX XXXX last year. The representative that I spoke to on the phone said that " the check would not be cashed. '' On XX/XX/XXXX, the check was passed through and cashed by Wells Fargo bank.I had an overdraft of {$500.00} to my account, and when I called the bank 's claim line, they filed and denied my claim. The account overdraft amount caused me to pay it off and change banking institutions. I do not believe that they practice fair bank practices.
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (CA)

I have a well established record with the lessor ; this is my second lease with them. My payments are made automatically through my Bank 's Bill Paying Service - always on the same day, always on time. In XXXX, 2021, the lease payments increased by {$2.00} per month. I did not become aware of the change until a call from the lessor, in early XXXX. The employee who called me was congenial and understanding ; I immediately paid the difference and corrected my banking records to fix the small shortfall. But I never expected what came next - a notification from my Bank that my credit rating had been downgraded significantly. I called the lessor - after many years of perfect payment record, I expected they would understand my position that payment was made, but I neglected to include the additional {$2.00} until it was brought to my attention. Their response was positive at first, but according to XXXX, the lessor insists the entire payment was late. As a result, my credit rating has been harmed and with the car lease expiring soon, I will no doubt face a rate increase with the next vehicle. I am in my late XXXX 's, and although I read all my emails, I readily admit do not keep with all the promotions that show up on my in box ; many are for burial services, anyway.
Consumer complaint received 2018-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services (WI)

On or about XX/XX/2018 my employer received a wage assignment demand notice signed by Kashia d/b/a XXXX XXXX stating I owe XXXX and it was sent direct to my my employer via fax. I had no idea what this was about it states loan number XXXX XXXX with an account Specialist of XXXX and an email XXXX my employer brought this to my attention because it was not a court order it came from this XXXX  and they thought it sounded fishy so I did some research and I was told it was taken out XX/XX/2018. They also included info that this wage assignment is revocable at will so I attempted to email this XXXX at the he bread mail provided with no success it came back twice. So I wrote a revication letter and mailed it and my employer did receive revocation request I have been trying to figure out where to go with this request to file complaint but I'm not getting anywhere no one 's responding back to me ; nothing received f I'm anyone, so I filed a scam with the XXXX XXXX XXXX and they said thank you and they were made aware of it I haven't heard from his company since but I'm afraid they're going to come back and start all over again I did not talk to anybody from this company in XXXX so I have no idea where this came from and I've had some issues with my credit union my debit card has been hacked about 5 times now so I've got new debit cards from them so I just need to file this complaint so this doesn't happen to me with this company again if  someone could help that would be great. 
Thank you
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have disputed this previously about this account being on my credit report! I asked them to remove this account immediately as it does not belong to me!! The company removed the account from my credit but then added it to my XXXX  credit report! This is unacceptable!!!!
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (IL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have tried to remove the Extended fraud alert from XXXX and Equifax. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (OH)

I signed up for a 3 month challenge at a boxing gym in 2018. Paying {$59.00} a month for 3 months. When I attempted to not continue with the boxing gym after the 3 months they declined my written cancellation claiming I either needed a doctor 's excuse or to get absences excused. Suddenly a 3 month challenge turned into XXXX bucks the company not only has not enough space for he number of people they sign up but there is nothing else there but bags for boxing. If it was a full gym I would consider a full year. XXXX XXXX started off calling. I told them to stop calling. They then started text messaging. I replied to the text and again asked them to stop contacting me. Then they started emailing. I replied to the email on XX/XX/XXXX to not contact me anymore. Today on XX/XX/XXXX I received yet another email from XXXX XXXX. I replied to them letting them know I would be filing a complaint. ( caution to anyone signing up for these social media challenges )
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (FL)

On a daily basis I continuously receive notifications about my credit report collection  increasing by Grant Mercantile, a collection  agency attempting to collect a debt for an ambulance  bill. I have submitted a complaint on this company numerous of times as well as requested debt validation and my signature to show proof. All the company provided was a document with signature. Nothing else that I requested such as the billing statement, insurance payment made or if insurance was billed, patient, etc. 

They continuously report increases in the collection amount on a daily basis for this debt drastically affecting my credit. Ive offered numerous times to settle this debt that they refuse. I have someone willing to help me with settling this debt so it may be removed and will payment immediately of {$250.00}. 

Per FDCPA, The agency did not provide proof that this debt belongs to me or has been assigned by the original creditor upon the first request. Therefore by law the debt collector is not allowed to continue pursuing the debt nor should the debt be listed on my credit report. Yet they continue to do so. 

Beware of this company, they will ruin your credit and not provide information you request to validate a debt. Just continuously argue that it belongs to you. I have yet to receive any documents by mail they just racked the debt to my reports and then constantly increase the amount owed.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (FL)

I took out a small loan of XXXX with weekly payments. I was in hospital for a week so delayed a payment. So far 2 of 4 payments have been made and the 3rd payment will be taken out XX/XX/XXXX and last payment XX/XX/XXXX. I looked at my credit score and they took -57 point off for supposed late payment.
Consumer complaint received 2023-01-21
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. (MO)

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

This about Department of Education /XXXX . I attended 2 different Community Colleges without a High School Diploma. I read about the Ability to Benefit Application, which helps some people be able to get their loans discharged. The qualifications are, no High School Diploma or G.e.d. You did not go through the ability to benefit test. False certification of documents. Meaning someone forged your name on documents etc. I qualified in every way. I sent test scores to them. Test showed I did not pass, sent high school transcripts etc. The Dept of Ed denied my application stating I had a High School Diploma. Now, the are the DEPARTMENT OF EDUCATION. They know if I graduated from High School, or have my G.E.D. US Dept of Ed used lie, so they would not need to honor their application for the Ability to Benefit discharge. Navient, has my loans they gave me the run around so much concerning documents they needed to process that application, so it could get to the Dept of Education. They are being sued Dept of Ed, and Navient for these type of practices. Not honoring the discharge applications. Also charging to much on interest ext. HELP PLEASE!