davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an XXXX XXXX XXXX  # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

I did a loan modification on my mortgage 8 years ago. I was aware of the increase in the interest over the time period. I did start back at 30 years. I now have a XXXX dollar balloon payment after I pay off my mortgage. How is this legal? I have lived in the home for 28 Years and I the company has and will get plenty of money. This balloon will put me over what the home is worth.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (GA)

I received a charge back on purchase a Customer had made.. without explanation. They debited this amount from my account, sent it back to the customer who had already received his product. and then locked my account until I paid them another {$200.00} to regain access. In order to pay this balance I was forced to make a second venmo account. I immediately contacted customer service and asked. them to use the balance that I just put in a new account to cover the overdraft and then to delete the extraneous one as it had served its purpose.. Several weeks go by. and I have continuous problems getting. money off of the platform. Their promise that I can move my money to my bank account Not realized. Can't send money to paypal. Can't send money to personal wallets. Can't send money to my bank account. It's trapped inside of Venmo and then they lock my account. Froze it permanently. They told me that they can not give me an explanation why and that they may or may not give me back all or some of my money in 180 days, but that i will never be allowed to use the venmo service again ... as if Id continue after this. 

this has caused extreme hardship for my family as my wife was XXXX  from her job because she ran out of gas on the way to work. we couldnt pay the power bill and lost an entire refrigerator and freezer full of food ... and then couldnt buy more. 

Twice Venmo took the word of the customer at face value and without consulting me removed money from my account and gave it to the customer .... and then expected me to pay it back... so now im out double the money and the item that was sold and delivered. and then to add insult to injury... they stole the rest of my money and crypto and locked me out.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified it.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

THIS COLLECTION AGENCY IS CONTINUING TO TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED/WRITTEN OFF IN XX/XX/2007. I HAVE NEVER CONSENTED TO THE AMOUNT OWED NOR WAS I GIVEN AN OPPORTUNITY TO DISPUTE.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NE)

My issue is two-fold : 1 ) The interest rate was raised to XXXX %!!!!! This is ABSURD on an account with a {$200.00} minimum!

2 ) The company is now going to charge {$4.00} for people who opt NOT to get email statements, continue getting paper statements. 
There has been extensive discussion on the media about credit card issues, including excessive interest, and additional fees. 

A local retailer ( Nebraska XXXX XXXX ) is offering XXXX  % next purchase if a person opts IN to receive statements via email, not by paper. 

I just had my email compromised and had to set up a whole new account, losing my old files, so am very distrustful of getting important information via email. 

PLEASE, PLEASE help us get out of this horrible loop of debt, instead of adding more and more fees!!!!! 

Thank you. XXXX XXXX
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

This complaint is related to my Chase Auto Loan below : XXXX Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Experian never reported my auto loan & my auto loan never appeared on my Experian Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like Experian to adjust/amend my Experian report to reflect my XXXX auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with Experian directly, and also with XXXX, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, XXXX XXXX
Consumer complaint received 2021-04-07
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: Credit Karma (KS)

I have used XXXX XX/XX/XXXX XXXX XXXX to file my federal and state income tax for several years This year, XXXX XXXX offered free services with Credit Karma for the purpose of monitoring my credit reports. I decided to sign up for an account, using my email address, XXXX. This has been my business email address since 1997, and is associated with my XX/XX/XXXX at XXXX. I attempted to set up an account using that address, but Credit Karma responded that an account was already established under that email address. I thought I had perhaps set up one previously, so I clicked on the " forgot password '' link. A reset link was sent by Credit Karma to XXXX, with the salutation on the email being " Hello XXXX. '' I have no idea who XXXX is. I tried to reset the password. Year of birth and last four digits of my social security number were required, but when I attempted to reset the password, the program replied that someone else had already established an account using my email address. I immediately contacted Credit Karma, but was told that if I wanted to create an account, I would have to use another email address. I told them that the address already in use was mine, and that I had never authorized anyone else to use it. The response was the same -- that I would have to set up a new account using a different email address. I want to make it clear that this email address belongs to me, and if someone else is using it, they have stolen my identity, and Credit Karma is complicit with this theft.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Amongst the FCRA, GLB Act, and other higher level regulators, Equifax is not following mandated rules of construction for consumer reporting agencies. Equifax has been securitizing consumer data. They are running a criminal organizations via the information from my consumer file. They are in direct violation of their contract they have on file with the SEC, I have access to their XXXX bond #, SEC # XXXX, and I will file a treasury OMB form 211 to audit my consumer account. As a Beneficial Owner/Investor in Equifax per their prospectus form, I have a request.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contact the  CBR  on   XXXX     to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX XXXX, I made some purchases on XXXX XXXX website using the buy now pay later option. I received a copy of the purchase lease agreement which showed the total balance for the items I purchased and the total balance including interest and disposition fee, which was {$89.00}. The total value of the items was up to {$1100.00}, but after adding excessive interest and a disposition fee, the balance I owed was {$2800.00}. 

However, the original creditor sold my lease agreement balance of {$2800.00} to the XXXX XXXX XXXX. Unfortunately, they added more fees and excessive interest, and now the balance they're reporting on my Equifax credit report is inaccurate. They're claiming that I owe {$4000.00}, which is not correct.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00}. Please delete these fraudulent accounts ASAP.
Consumer complaint received 2016-05-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC (GA)

On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.
Consumer complaint received 2024-05-23
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 (IL)

My claim has been denied because of them saying there were no indications of fraud when I have XXXX footage of my card and pin being skimmed I also have a criminal case being processed for the cashier who the company I went too says is responsible for my card being skimmed. I initially told my bank that I went into the location and thought that the transaction that showed up on my account came from that visit. With me saying this they used that information to say I was still liable for the funds. Unbeknownst that days after I filed my claim. XXXX was able to recover XXXX footage of me swiping my card and entering my pin on the skimmed system. Which later was used WITHOUT my authorization or KNOWLEDGE to charge my account not once but twice for XXXX. On XXXX different occasions, never once did Wells Fargo reach out to the cop on my case or the store of which this crime took place.
Consumer complaint received 2019-02-19
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: JPMORGAN CHASE & CO. (GA)

Greetings XXXX is XX/XX/2019. 
I just attempted to have Chase Manhattan Bank address and resolve this issue and i am givin the runaround. This is about the 4th time Chase has done this. 
Inaddition, Chase was notified not to allow anyone to access my account and they did exactly the opposite. Not only did they allow someone to access the account. They also allowed someone to over draw a account that only had a {$1000.00} line of credit. So now the account is over drawn. So now that they have made this error due to incompetence, and disorganization. They refuse to remove this charge. 
In my best interest the account is being paid the minimum monthly because closing the account only benefits then to beable to charge this account off and sell it to a collection agency. Which is another headache. I appreciate your assistance. Please don't hesitate to contact me for further details. I have all of my notes, dates and representatives i spoke to. 
Thanks
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XX/XX/2015 and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor XXXX XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (NV)

yes i never had XXXX XXXX i had XXXX for 16 years and why it appear on my XXXX XXXX bueau i dont reconzied that and i called the company said it my name on it but i told them i never had then he or she talk XXXX to me and laughed at me i was told that im XXXX XXXX XXXX they called me lied i told them it truth im XXXX u can use call thur XXXX XXXX XXXX XXXX thur call me it name company is JEFFERSON CAPTION SYSTEMS OWE XXXX and asked them remove it bevause i dont own XXXX  so i had XXXX for years hope you can help me thanks
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

When I checked my credit report last fall, I noticed a derogatory mark on my report : a {$980.00} collection from Transworld Systems Inc/XXXX opened XX/XX/2020. I have never had any interaction with either Transworld Systems or the original creditor. I also have never received any sort of information from them ( mail, email, etc. ) stating that I had an outstanding debt owed to them. It is completely unfair that they are allowed to place a derogatory mark on my credit report, negatively impacting my score, without at least attempting to contact me or giving me the chance to address the validity of this debt. It is wrong and needs to be removed from my credit report.
Consumer complaint received 2017-05-21
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. (GA)

I contact the  XXXX  on  XXXX / XXXX /  XXXX   to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Consumer complaint received 2016-04-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stanislaus Credit Control Service, Inc. (OK)

I was informed by my XXXX XXXX recruiter that I have an outstanding bill therefore, for days I have been trying to contact them to pay the debt so that I can clear my record and enter the military. I have called multiple time and left messages, i also sent a email.but have not received any reply, meanwhile I am unable to move forward toward entering into the military. See attachment..
Consumer complaint received 2021-03-27
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. (FL)

Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!
Consumer complaint received 2016-03-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (FL)

I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (GA)

On XX/XX/XXXX, I made some purchases on XXXXXXXX XXXX website using the buy now pay later option. I received a copy of the purchase lease agreement which showed the total balance for the items I purchased and the total balance including interest and disposition fee, which was {$89.00}. The total value of the items was up to {$1100.00}, but after adding excessive interest and a disposition fee, the balance I owed was {$2800.00}. 

However, the original creditor sold my lease agreement balance of {$2800.00} to the Monterey Collection Services. Unfortunately, they added more fees and excessive interest, and now the balance they're reporting on my XXXX credit report is inaccurate. They're claiming that I owe {$4000.00}, which is not correct.
Consumer complaint received 2023-04-05
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 1313 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 2022-01-18
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)

I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to XXXX XXXX XXXX ( XXXX ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a XXXX XXXX account member which allows members to access their free credit score and report through XXXX XXXX XXXX XXXX XXXX However, when creating an account online through the XXXX XXXX app with XXXX XXXX XXXX XXXX that able to obtain your credit report and other information through TransUnion Interactive INC a wholly owned subsidiary of TransUnion. 

On XX/XX/XXXX, I viewed my consumer credit report on XXXX XXXX XXXX XXXX XXXX sponsored by TransUnion Interactive IncXXXX, records information inaccurate, past due, balance, outdated collection information, and two public records bankruptcy filed on XX/XX/XXXX, that don't belongs to me