davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (CA)

Original complaint ID XXXX Submitted on XX/XX/2022 Improper use of my report - Unauthorized inquiries reported. 
Requested items be deleted. 

On Saturday, XX/XX/2022, XXXX AM, XXXX XXXX wrote : XXXX XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XX/XX/XXXX or by calling XXXX XXXX XXXX XXXX. 

If you prefer to write to us, indicate that you are a victim of fraud requesting your free credit report and send us all of the following information : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to XXXX, XXXXXX/XX/XXXX XXXX XXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at XX/XX/XXXX or by calling XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Purchased an item on XXXX on XXXX XX/XX/2023. It was a piece of art in the form of a XXXX XXXX. Was not at all worthy of the XXXX I paid. Bought through XXXX with my savor one credit card which is capital one. Asked for a refund XXXX explained I had to go through my credit card company not them. Filed a complaint through the credit card company. They removed the charge .a few weeks later then they reapplied saying new information came to them from the seller. They gave me a cut off date to get all my evidence into them by fax. I did get all my info to them beside a tracking number showing I returned the item. I explained I did not have the persons address therefore I could not send back. I asked for her address, they stated they did not have it. I tried 12 times to contact the seller and no response. My evidence included letters of reference from artist stating this item was not worth even XXXX XXXX  and I paid XXXX XXXX  approximately 15 pages of evidence was submitted by fax. I called the credit card company and was told the issues was I didnt send the item back. Finally on XXXX XXXX XXXX I had a 45 minute conversation with customer service representatives from Savior one/ capital one Credit Card , worked my way up to a supervisor of disputes. He told me at first I had not submitted the documentation by the cut off date. I explained my situation of not having the address, but stated I had since found her address by acting as my own detective, and looking it up, he instructed me to go to my email where he was sending me a special link to upload the tracking information. I went an purchase a shipping label, when on my email and submit it the appropriate documentation as I was instructed to do by the supervisor of the credit card dispute department. I shipped the item out on XX/XX/XXXXXXXX XXXX XXXX. She received the item at XXXX  XXXX XXXX. I received a letter on XXXX XX/XX/XXXX through my email stating that I didnt provide enough information on XX/XX/XXXX so my case is close in favor of the woman .I have to pay the XXXX XXXX even though I was instructed by a capital one dispute specialist to return the item so that I could be refunded. Now I have no item and I owe them {$3000.00}, I want to do the right thing. Please help me. I can provide all my documents. At the beginning of each call, I made to capital one they say that we are talking on a recorded line. I asked the representative to tell me how I can get access to the recorded line because the call I made on XX/XX/XXXX was where the dispute specialist instructing me what to do to be refunded. That would be proof worth having, but they wont help me. The hung up the phone. PLEASE HELP ME. The case number this case is XXXX. The card is a capital one savor card.
Consumer complaint received 2022-06-06
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. (LA)

I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.
Consumer complaint received 2022-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

I am in the process of buying a home and was pre approved for the loan from XXXX XXXX and I also contacted Amerisave Mortgage for a comparison. I decided to go with XXXX XXXX and now XXXX XXXX at Amerisave will not transfer my case number to XXXX XXXX so that they can move forward with the process.
Consumer complaint received 2022-12-12
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: Mercedes Benz Financial Services (VA)

I, went to Mercedes-benzes of XXXX  XXXX and was discriminated against, and deceived, " I was told I did not met the criteria to extend my consumers credit because of unfair credit reporting ; as stated by law that shall be a considering factor in a consumers transaction. They acquired my personal info shared it and under 15 usc 1602 ( p ) I received no benefit in that consumers transaction.
Consumer complaint received 2023-05-18
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 am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Experian in handling my dispute of 4 accounts that were opened by someone who stole my identity XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have sent in a police report as well as an FTC Identity Theft Report and yet Experian continues to report those items on my credit report in clear violation of numerous FCRA regulations.
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MI)

I have sent LJ ROSS a Notice of Dispute and Demand for Debt Validation Notice. They have not responded to my request. When I review my credit report each month LJ ROSS shows a different address to contact them regarding this alleged debt. It is my belief that LJ ROSS is giving false address information in an attempt to never resolve my complaint.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I requested a payment through the Wells Fargo bill payment. The funds cleared my account on XX/XX/2022. The check arrived at the recipient 's address on XX/XX/2022. Other checks were included in the envelope that were dated up to as late as XX/XX/XXXX. Wells Fargo did not send my payment per their own published timelines and held it and batch mailed with other checks fully taking advantage of my money from XX/XX/XXXX ( when funds left my account ) until XX/XX/XXXX, when the recipient received the check.
Consumer complaint received 2024-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

XXXX XXXX is claiming that I owed a month of internet service plus equipment ( router/modem ) which this one was returned to a XXXX facility as instructed by them, the month of service is not accurate since I called to canceled and they still bill me for an extra month. 
Please help!!!
Consumer complaint received 2022-06-06
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (CT)

On XX/XX/XXXX I was contacted by Atlantic Recovery and told the debt was a joint XXXX XXXX account with myself and my husband. I was awaiting a call from my hospital to go in for an induction and thought this was a scam as I do not have a XXXX XXXX account. I told the caller I didnt know what he was talking about and hung up. I blocked the number so I could focus on waiting for my hospitals call. 

The man called back and got sent to voicemail. In the voicemail he said XXXX can thank you for putting him in this position and we wish you guys the best of luck come XXXX morning. I found the voicemail XX/XX/XXXX and called the company back XX/XX/XXXX and spoke to a different employee. He confirmed it is not a joint account. From my understanding its illegal to lie about me being on the account and his voicemail seemed threatening as well. My husband also said he never spoke to this company and doesnt remember having a XXXX XXXX card so hes unsure if its a valid debt.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (NC)

I recently found out that XXXX XXXX XXXX filed a lawsuit against me in Virginia where I do not live on behalf of Synchrony Bank. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Consumer complaint received 2022-08-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions,
Consumer complaint received 2022-12-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 the information is inaccurate.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email from Bank of America on XX/XX/2022 with a complimentary offer to switch to the Bank of America Unlimited Cash Rewards credit card. After making {$1000.00} in purchases I would receive {$200.00} cash reward. 

In order to receive the offer I would need to click the email offer and make the {$1000.00} purchase by XX/XX/2022. 

I clicked the email to acknowledge the offer and start the process. 

In addition, I called Bank of America to ask a rep on or around XX/XX/XXXX about making a {$1000.00} purchase before I actually received the new card since the numbers were all staying the same. The rep told me that would be fine and I would still receive the bonus. 

On XX/XX/XXXX or XXXX I called Bank of America to find out about the status of my {$200.00} bonus. I spoke to rep who was surprised I did not receive the bonus yet but assured me she would make a note in the file and open a case # XXXX. She never told me I would not receive the bonus or I had not met the spending requirements. 

On XX/XX/XXXX I called again to follow up when claim rep told me according to the notes I did not meet the spending requirements because my purchase was made before the card was converted. She told me to quickly spend {$1000.00} on that date since it was expiring on XX/XX/XXXX. I told her this was not what the last claim rep told me and if they had at least I would have more than 24 hours notice to do something.

I feel this company was playing a bait and switch game with their client.

I have a lot of accounts with them and may have to switch to another company that values their clients.
Consumer complaint received 2022-06-06
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: SYNCHRONY FINANCIAL (TN)

4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.
Consumer complaint received 2022-06-06
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. (TX)

I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (DC)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (VA)

On XX/XX/2022, I made a XXXX  report because this company has fraudulently doctored account ledgers, added more payments to my account that I dont owe and have been falsely placing things on my credit. They told the XXXX I missed a payment for XXXX but the last 3 reps Ive spoken to in the last 2 weeks minus tosay, have all said I missed XXXX & now theyve stuck to XXXX anytime I did speak to someone about this issue. They provided the XXXX with a payment ledger they only provided me after weeks of asking and what they have does NOT match my bank statements from when Ive made the payment. The XXXX got the proof of payments Ive sent and when I tried to fight it, they said I didnt have a claim. Ive reported credit Acceptance to the 3 bureausXXXX XXXX  XXXX and XXXX and all 3 bureaus REFUSE to validate the account and say that its accurate even with me proving proof that its not. I have been unfairly harassed by the people in this company and they have been falsely putting late payments on my credit. Theyve called me 6 times today & its only XXXX as of XX/XX/2022. I want this harassment to STOP immediately. I want NO contact with this company. They are CONSTANTLY calling me from different numbers
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TN)

4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.