davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Few months ago I received a call from Capital one about a transaction taking place at XXXX XXXX XXXX XXXX and XXXX, I did not approve the charges once I was at work. So Capital one cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXXXXXX XXXX XXXX that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (FL)

XXXX XXXX  clearly states that if you make your first XXXX payments on time that your credit line will double. My initial credit line on this card was {$1000.00}. It should have automatically updated to {$2000.00} in XXXX. I called them today and found out that the automatic part is false, you literally have to reapply. The person did that for me and it went up from {$1000.00} to {$1300.00} - again, not what was promised. It also looks like they did a hard inquiry on my credit report, which was also not disclosed, which will negatively impact my credit score.
Consumer complaint received 2022-03-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (NJ)

Sometime within the last year I applied for a line of credit with NetCredit which I did not access due to high interest and excessive fees. XXXX XX/XX/2021 I became aware through review of my credit report that the line of credit had been accessed. I have been attempting since this time to resolve this matter with the company. I no longer have access to my online account and no information has been shared with me. They requested a police report which was provided along with an identify theft report filed with the FTC. I also sent a bank statement from the time the funds were sent showing that I did not receive any funds from NetCredit to my bank account. I continue to receive emails demanding payment along with the same response to my inquiries that they completed an " investigation '' and determined I received the funds, but no documentation or information proving this has been sent despite repeated requests. I have shown proof on my end that funds were not deposited into my bank account.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I was trying to get an XXXX loan that had to be done XXXX. I was told by my bank that needed to unfreeze my credit report with Experian. I first went to the website because I did not think I had a freeze on there ( but had one before ). It said that I did not have a freeze. I tried to turn off the freeze anyway and the site would not go through to make that happen and it did not say there was an error and the account was not froze. I spent 2 hours trying every prompt there was to get a live person on the phone and it did not work. When I said representative it said that it was not able to forward my call unless it was under certain circumstances. But it never said what circumstances. I then called Experian corporate offices in XXXX XXXX, CA and XXXX, IL. They would send me back to the phone number. When I called them back to say no there is no live person to talk to for my particular problem. They said well I can't help you. I kept calling them back hoping to get a different person to help me and then they were hanging up on me! I was not angry with them I just said it was very important and I had to have this done right away. This is very poor service and phone prompts. Sometimes it is necessary to get a live person. These companies are like the IRS, they can break you and your life and it does not matter how people are treated/helped! This needs to change. Please help!
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

a couple of years ago when I cancelled my XXXX account, I made sure the equipment was returned and cancellation went into effect prior to the next bill due. During this process XXXX was in the process of being bought out or merged with Charter Communications ; I started receiving a bill from XXXX, even though everything was returned and service cancelled. I called them to let them know I had received a bill and was on hold for 20-30 minutes at which time the representative let me know I could disregard the bill. Several months later, I received another past due bill, I called again and again the representative said she would make sure the bill would be taken care of. Months went by, sometime last year I received a collection notice from Amsher Collection Services, and the following month they started calling me 2 or 3 times a day during odd hours!! I spoke to a representative from Amsher letting them know I wasn't responsible for the bill and that they were calling at XXXX disturbing my kids sleep!! They hung up on me! 2 months later I have a collections item from Amsher/Charter for {$140.00} from XXXX which I'm not responsible for! They put a collections record on my XXXX credit report . This is crazy!
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I received a text message on XX/XX/XXXX and another one today from a debt collector who does not show any amount due etc., It states the company that is collecting from is XXXX XXXX XXXX XXXX. XXXX whose phone nbr is XXXX. 

We had never had any dealing with the above Insurance company and we do not owe any money to them. 

We believe it is a scam, and I am trying to report it. 

The text does not show any amount due at all. Only to reply to them to opt out etc. 
or call them.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (IL)

I have sent dispute letters to XXXX, Experian and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-05-02
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. (MI)

My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from XXXX.
Consumer complaint received 2022-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : Account XXXX XXXX XXXX days late as of XX/XX/2022 I am not sure how this happened as my account was supposed to have been on auto draft. I believe I made my payments to you when I received my statements. My only thought is that there was an internal issue when the system ran my payment.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Hello, my name is XXXX XXXX, XXXX birthdate XXXX There is an account reporting on my account that has already been deleted that got resold to another company. XXXX XXXX XXXX account number XXXX. I have already tried to contact them and got no where. please help remove this collection from my account.
Consumer complaint received 2022-03-24
Product: Mortgage — VA mortgage
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: REGIONS FINANCIAL CORPORATION (MO)

My mortgage is through Regions Bank in Missouri. At or during the time when the United States Government enacted the Covid-19 Forbearance, I called Regions Bank to inquire about this program. I asked many questions, to include asking the employee handling this Regions Mortgage Forbearance Program, to include is there anything I should be warned about ahead of time, will this affect me or my credit on the tail end of this option. So, by accepting this Covid-19 forbearance through Regions Bank , would it be reflected on my credit statement on either three of the credit reporting agencies. The employee stated equivocally and totally that it was a NO. That by entering into a forbearance, it would NOT be reflected on my credit and yet I am still fighting their credit determination and reporting practices because the forbearance was reported to my credit as non payment. I am in understanding that he was a low-level employee and that was not a question he was eligible to effectively answer at that time. I say that because now I am finding out through proof of this company 's handlings with my report and the short comings in which it not only was but is still being handled. I feel they are at blame in this matter because what I was told by their employee and the fact that it should be on record, by the statement they told me during every phone call is that all phone calls are recorded. So, if this is true then all of my phone calls should be on record in regard to this matter, even going back to when I first signed up for the program in which I am referencing and should be able to be accessed to this case. 
My issue is that when I first called, they, the employees at Regions Bank on a recorded phone line informed me that nothing would affect my credit or reporting of my credit from going into the Covid-19 Forbearance Program enacted by Congress.

Secondly, when i have checked my credit, I see that this forbearance through Regions is yet still reflected on my credit, through all three credit reporting agencies. My issue with this bank and their reporting, is that I was promised by a Regions Bank employee in the mortgage department that by entering into the Covid-19 Forbearance Program set in place by our government that it WOULD NOT affect my credit. It however is being shown on my credit and I am very upset about this. I am a veteran, and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX through the VA. I do not appreciate their actions or response to my inquiry about this and it has not been done in a timely manner and or handled in a respectful manner. I feel I am owed this by my service to my country at the least. 
Thank you for your time in regard to this matter.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. XXXX XXXX continued to report inaccurate information to all 3 the credit buraus. After each dispute XXXX XXXX would come back and say the information they are reporting was accurate. In XXXX, Equifax deleted the account after a dispute due to the continuous inaccurate reporting from XXXX XXXX. I grew so tired of the back and forth between XXXX XXXX, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from Equifax indicating that XXXX XXXX requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My Equifax credit score took a hit for the reinsertion of an account with debt I don't actually owe.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (DE)

On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or Experian credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informations inaccurate.
Consumer complaint received 2022-08-08
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. (CA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX LL Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-24
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. (NY)

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 2022-05-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I sold a XXXX channel by using a famous trusted escrow service of fameswap. They transferred the payment ( XXXX $ ) to my paypal account. The amount has credited and paypal said that will automatically withdraw to my bank account. After 1 day they asked me about the transaction. I send the screenshots and other detailed explanations. After they reviewed my information they said they permanently blocked my account and my money is in hold for 180 days. They are not specifically saying what is the reason and not giving a chance to solve the issue if I did anything wrong. That was a urgent need money, so I asked them several times and I complained by messaging them. They are saying " Having limitations on an account doesnt necessarily mean that youve done anything wrong '', then what right they have to hold my money also after I gave their fee for the transaction. The money was very urgent for my personal needs. So I sold my channel and all the process was legally correct and paypal cruelly cheated me.