davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (PA)

Spark driving for XXXX with XXXX XXXX. My application has been submitted for almost 3 weeks. XXXX work has no customer service contact number. The place running my background check is waiting for my consent forms that i have already filled out. XXXX will not let me update or resend them. I can not get in contact with them. This my personal background report that I want done asap or delete my information.
Consumer complaint received 2022-08-12
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: ALLY FINANCIAL INC. (OH)

I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXX - Ally Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CT)

Hunter Warfield, Inc. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX  
XX/XX/2021 
Account Number: XXXX

XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX

Original Creditor: XXXX XXXX 
Consumer Number: XXXX

Current Balance: XXXX

* THIS BALANCE WAS PAID IN FULL AND MS. XXXX XXXX CONSUMER COLLECTIONS MANAGER WAS GOING TO REACH OUT TO XXXX  AND CLOSE OUT MY COLLECTION ACCOUNT. I NEVER HEARD BACK AND THIS ACCOUNT IS STILL OPEN WITH HUNTER WARFIELD. I JUST TESTED THEIR SYSTEM.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (CA)

Got an email out of the blue stating there was unusual activity on my account and to contact them, I contact them and they didn't give me any answers and simply stated I'm not eligible for the account, after using it consistently for years and refuse to give me an answer.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid 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. (IL)

I am having problems specifically with 2 banks- XXXX XXXX and Chase. Both represent that you can dispute a charge or transaction online although neither of them actually allow you to do that. Chase used to allow you to dispute a charge online and submit your dispute electronically. Now, they require that you call, and every time you call, you get the outgoing message, " due to the unusually high call volume, expect wait times in excess of 1 hour '' or whatever the message says that tells you you are going to wait a long time. I have tried multiple times to get through to someone and can not reach someone to dispute a charge. I feel as though Chase is doing this to purposely make it harder for people to dispute charges on their bills. 

Same thing with XXXX XXXX. They offer you the option to dispute a charge online but you go through the whole online process of providing information about the charge only to be prompted to call the 800 number which you end up having to wait on line forever to get a hold of someone. 

In both instances, trying to dispute a simple overcharge ends up taking hours. I feel as though both Chase and XXXX XXXX misrepresented themselves telling me that you can dispute a charge online and then making me call and wait hours to dispute a charge. I think the goal is to discourage people from disputing charges by making it so difficult and time consuming to do so.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC (AL)

Back in XXXX of 2021 we started the process of applying for a HELOC with Spring EQ llc and in mid process after a hard credit pull they just stopped contact. We called and were told we were assigned a different loan person. This person reached out once and then nothing. I have names and texts and emails of all. At this point we decided to put the process on hold because life happens. Last week we tried again and got names of multiple companies. Once again Spring EQ contacted us and wanted the business. We talked with 3 different people as it seems theres no internal communication and then settled with a loan officer named XXXX. Emailed a few times, stated he had to pull credit again as it had been too long so he did. And once again other than an email calling me by the wrong name, we never heard from this company again. Thats 2 hard credit pulls and then zero follow up with company. No return emails or calls. Nothing. This adversely affects credit as they know. Attached are just a few of many emails and texts as proof. I have multiple agent names and we have filed a complaint with the XXXX  as well.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian, XXXX, and XXXX are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving XXXX and I believe I have been affected.
Consumer complaint received 2022-08-24
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)

All inquiries from XX/XX/XXXX and XX/XX/XXXX from both Equifax and XXXX I disputed several times with both that they were unauthorized
Consumer complaint received 2022-06-09
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)

In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both 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 2022-01-01
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: BARCLAYS BANK DELAWARE (CA)

I went to a presentation by XXXX XX/XX/2021 to get more information about there services. They ran a credit check to see if I qualified for their services. Unbeknownst to me, they enrolled me to obtain a credit card from them. I never consented to this. In fact, I have never received this credit card that was fraudulently opened in may name. 

I contacted Wyndham, and they told me to contact Barclay 's about the account. When I called they did not have any record of the account/credit card and can not even look me up in the system. I've tried disputing this credit card multiple times with XXXX but they will not remove it. 

I would like this matter investigated as this card was fraudulently opened and I am not able to close it for some reason. 

The account number is XXXX. I do not have the credit card number as I never received it
Consumer complaint received 2021-10-22
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Steven A. Booska (CA)

A man by the name of XXXX XXXX XXXX was granted a default judgement against me for a XXXX XXXX that I never took out. The person who did take it out is dead, is not related to me and has no ties to my family. XXXX XXXX has been trying to sue me for 10 years but was never successful because I was always able to intercept the summons. This time he didnt serve me and I was unaware of the court hearing and now subsequent default judgement against me that has ruined my credit.
Consumer complaint received 2022-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX, I placed on order on XXXX via PayPal for {$86.00}. I specified the payment method as a XXXX credit card on PayPal. PayPal nevertheless proceeded to charge a saved XXXX XXXX, claiming that this was continuing a recurring automatic payment to that XXXX XXXX ( which it was not ). Their unauthorized charge to my XXXX XXXX caused a substantial interest rate to kick in. 

I contacted PayPal about the charge, asking if they could refund it and instead charge the intended payment method, and their only response was that " this is not a billing issue '' ( which is obviously false ).
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (AL)

On XX/XX/XXXX A Debt Validation LetteXXXX was sent to prove that this debt is owed to me. This is very damaging to my credit as I try to apply for my first home. A Debt Validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has not been proven to be owed by me. This company has not replied to the verification letter of this debt.
Consumer complaint received 2021-10-22
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. (CA)

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (OH)

I was involved in a hit and run in XXXX of XXXX  my car was minorly damaged, as a result of this accident i lost my job due to unreliable transportation, at that time in XX/XX/XXXX i spoke with American Credit acceptance and requested to voluntarily return the vehicle i submitted the address and requested auto repair quote, i had gap coverage and they said it was approved and would be taken off my credit report. in XXXX, i called again to resolve as i never received any paperwork abiut the car return and realized it was still reporting on my credit. i attempted again to return the vehicle they said they were going to settle the account and i was to receive my settlement offer. NEVER RECEIVED DOCUMENTS. called again in XX/XX/XXXX re did the same settlement process was approved again to settle and they once again never processed it. with each request i have confirmed via -phone and email records of my previous request it was confirmed but that they never processed. in the meantime they are still reporting this on my credit and inflating my future settlement amount by continuing to charge my account and reporting the vehicle still in my possession, if they would have processed my request initially i was only two months behind on my payment and the negative impact the settlement would have had would have been way less impactful. this is negligence pure and simple.
Consumer complaint received 2022-01-01
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: LEXISNEXIS (MN)

Pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute. The Consumer Reporting Agency also must notify the furnisher of the dispute. That is generally done electronically through an automated consumer dispute form, or XXXX. 

Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 
Please conduct an investigation with the deed of court or clerk of court and forward me the finding or delete the public record!
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Grain Technology, Inc. (NC)

I opened an account with Grain in 2020. It is part of the new movement of fintech/neobanks. I was pleased with the service as a line of credit with a $ 10 monthly fee. The APR is high, over 100 %, but if you pay it off in 30 days, you are paying just the {$10.00}. Also, they do not perform a hard inquiry, so it helps to build credit faster because it is unsecured with no hard pull, so no puts are deducted from your XXXX until the account is opened as a new account. So to my dismay, I was blindsided when I got an email at the beginning of the year stating they were increasing the rate and adding an annual fee. This is not agreed upon, so I was told that either I agree to the new annual fee or the account would be restricted to making payments on the existing balance only. The only problem with this practice is that it is a bait and switch. It will ruin your credit if you close the account because the average age of your credit declines, and your available credit goes to increase your utilization. This is unjust and needs to address.
Consumer complaint received 2022-12-22
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: Convergent Resources, Inc. (NJ)

I received a collection mark on my XXXX credit file from Convergent Outsourcing for {$390.00}. I sent Convergent Outsourcing a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to Convergent Outsourcing. They were not able to provide such documentation. 

Convergent Outsourcing sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to Convergent Outsourcing. 

On XX/XX/22 I responded to Convergent Outsourcing that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on XXXX Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements Convergent Outsourcing needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, XXXX is required by law to remove the collection from my credit file. XXXX has not removed the collection from my file
Consumer complaint received 2022-01-01
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (IN)

Dispute the CARGES ON MY STATEMENT DATE XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX {$210.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$240.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$210.00} These charges were originally on my card ending with XXXX. That Card was canceled and a new card was issued. These were disputed as fraudulent charges and I received credit on my statement dated XXXX. 
I was surprised to see these charges put back on my statement DATE XXXX I did not receive any notification on this. 
I called the customer service on the week of XX/XX/XXXX. They said there was a mistake and she would fix a code in the system. This did not happen. 
I called the customer service on the week of XX/XX/XXXX. His name was XXXX XXXX said the charges would be revised in a day. This did not happen. 

I called the customer service on XX/XX/XXXX There name was XXXX there ID is XXXX She said these charges would be revised in 48 hours. This did not happen. 
This is sad I do not get an honest answer from your customer service employees
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (NV)

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. These companies are stalling as much as they can ... .. ( copied from the AffiDavit attached ).
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (MI)

Received a chime debit card in the mail that I never applied for under my old name. 
On another day I also received another debit card in my new name that I never requested that card is under XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-22
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person