davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I believe I was discriminated against based on national origin, in violation of the " federal equal credit opportunity act violation '', by Synchrony bank when requesting an credit limit increase on my amazon store card. They refused to increase the limit past {$450.00}, and the reason they gave in their letter is " Insufficient experience at your current credit limit '', which doesn't make sense as I've had plenty of experience ( had the card for 3 years almost ), and all my other credit cards from other issuers have credit limits in the thousands. I've never had a late payment in any of my credit cards. My credit score is very good ( XXXX ), and my annual income is over {$150000.00} before taxes. A {$450.00} limit makes no sense and I believe it is because when I first came to the US for work, I had no credit score and the amazon store card was a secured card with a {$100.00} limit. There's some weird legacy in their system that I think does not allow them to give higher limits to people that started off with a {$100.00} limit, but I believe that is disciminatory towards people from other nations who come to the US without a credit score.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX, XXXX, and Experian are all in violation of the FCRA, and are not upholding FTC standard. All XXXX bureaus are allowing erroneous, misleading, and incorrect reports to show on my credit including but not limited to XXXX XXXX XXXX. After disputing this erroneous report at least 3 times it only to resulted in no corrections being made and XXXX XXXX XXXX being verified as accurate ; But with further research there are incorrect, inconsistent, and erroneous errors including but not limited to the High Balance. This account was not verified as accurate correctly and should be removed immediately as this collection account is not mine.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (PA)

I have a BJ 's Mastercard issued by Comenity Bank. Comenity Bank has been having issues with their website and they are not taking calls. Approximately 2 weeks ago I tried accessing my account and the website was down. I called and the automated system said they're having problems from an upgrade and to call back later. My call was disconnected. Earlier today I was able to log into my account and wanted to see my XXXX statement which should have closed approximately 2 weeks ago but the last statement available on the website is the XXXX statement. Again I called. The automated system said my statement was mailed to me on XX/XX/19. I never received it and I turned off paper statements 2 years ago. Again I tried to talk to customer service and got the same message and was hung up on as previously described. The internet has many reports of others having similar issues.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (TX)

ABILITY RECOVERY SERVICE shows last reported reported date of XX/XX/XXXX with a balance owed of {$760.00}, shows as open balance. XXXX XXXX BANK XXXX Original creditor shows the last activity on this account as XX/XX/XXXX. This is not a valid debt. I never had an account with XXXX XXXX XXXX and this account has never showed on my credit report before this month.
Consumer complaint received 2020-08-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}
Consumer complaint received 2022-07-07
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. (FL)

The term " investigate 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 he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-12-14
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. (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (TX)

I sent in a dispute letters to the three credit bureaus Experian, XXXX and XXXX. I received an update today from Experian in regards to account from XXXX XXXX XXXX with account # XXXX. This account was reported as being included in a bankruptcy back in 2016 which is incorrect. They did not properly investigate this nor did they read the request that I requested in my dispute letter. Per my dispute letter I advised that I never had a contract with this alleged debt collector for any debt. I asked that they please provide ME with proof from the Original Creditor that the debt collector owns the debt and has legal authority to collect or delete this account. I called Experian after receiving the update and asked why was this reporting as Bankruptcy which is definitely inaccurate and why was my dispute letter not properly read and thoroughly investigated. I also asked why was I not provided with the information that was requested in my dispute letter. I was told by the representative that they do not have to provide that information to me. I asked several times and the representative told me that the requested information will not be provided to me due to it being sensitive information. I have a right to asked for validation of an alleged debt as a consumer. Experian should properly and thoroughly investigate the information inside of my dispute letter and they should be able to provide me with proof that the alleged information is accurate and they refuse to do so. I feel that my rights have been violated.
Consumer complaint received 2022-11-19
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. (FL)

My name is XXXX 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.
Consumer complaint received 2020-08-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-19
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)

My name is XXXX 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.
Consumer complaint received 2022-07-02
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. (LA)

On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per Experian, XXXX, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-28
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. (NJ)

On XX/XX/2020 I wrote a letter certified mail # to XXXX ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. XX/XX/XXXX
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (TX)

On XXXX, I was alerted to by a colleague of a sign up offer for UMB Bank. I proceeded to sign up for an account and was instantly approved. I initiated a transfer of {$100.00}, which was debited from my other checking account. Not long after that, and without any notification, my account was locked. Attempts to call were met with an hour long wait time. 

I received an email on XXXX asking for additional verification and I promptly uploaded the requested documents that I could provide. I called on XXXX after hearing no response at all and was told my documents weren't sufficient and the deadline had passed. I inquired about the {$100.00} transfer and was told it would return in 7-10 business days. 

We are now at business day 10 and there is no sign of my funds. To boot, {$3.00} was debited for having mailed statements, which I couldn't even opt out of because I was locked out of my account.
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP (NY)

My husband and I have been leasing a Honda XXXX for over two years now with Honda. However, they have not been reporting our lease payments on our auto loan to credit bureaus. I have called Honda Financial 5 times since XX/XX/XXXX in which they advised me that they have fixed issue and will report all payments to credit bureaus for my husband and I as this has happened to multiple of there clients. They also advised that they were aware of issue but only report if customer requests. However the issue still has not been fixed. Due to this my husband and my credit report is inaccurate as it shows we never had an auto loan when in fact we do. I attempted 3 times to speak to or get a call back from manager. However I never received one. All the representatives state is that the issue has been fixed when its not. This is affecting my husband and I tremendously as our credit scores are inaccurate. I have only been late on XXXX payment out of XXXX so far. All our payments are on time. I find it ridiculous that they still have not fixed issue but expect payments to be on time. They call me if Im a day late with payment but cant seem to fix issue of making sure it reports to credit bureaus!
Consumer complaint received 2022-11-19
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. (GA)

After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX  Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (WA)

I discovered upon checking my credit that my mortgage servicer ( Mr. Cooper ) has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.
Consumer complaint received 2022-07-01
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX XXXX XXXX XXXX Open Balance : {$6700.00}
Consumer complaint received 2023-01-29
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. (NV)

XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. These are clear violations of my federally protected consumer rights. 

Delete inaccurate accounts, delete inaccurate personal information and I want {$1000.00} per violation.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

There is an account on my Experian credit report that is fraudulent and is coming up with XXXX XXXX XXXX XXXX, this account is inaccurate and it is violating the fair credit reporting act and hipaa laws.
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XX/XX/2022 I have send letters disputing my credit report through XXXX, XXXX and TransUnion with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

On XX/XX/2022 i caused to be sent to Amsher Collection Services , Inc debt verification letter with very specfic and detailed information to be sent to me. On or around the week of XX/XX/2022 i received a response form the Debt collector with only invoices of the alleged debt that i do not owe. After reviewing my affairs i have found out that i have never done business with Amsher or their client XXXX Additionally, i may have been a victim of identy theft. Please invesitgate this matter further.
Consumer complaint received 2022-11-19
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. ()

My XXXX in XXXX bought a vanilla gift card and after she left the shop, she found out that the card is expired and she returned back to the shop to refund or to replace the card and they treated her in an awful way and refused to refund her.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (IL)

I have tried to withdraw my money for 10 day now. I have sent them a Utility bill, Bank Statement, a Selfie with the date and the title CRYPTO.COM, and now they want my SSN # card scanned, and proof of where I live... This has been 10 days!!! I { ve wanted to withdraw my money and they continue to say ( Unsufficient evidence ). The XXXX  XXXX  has been like no other.I need a resolution ASAP. I am planning on filing a complaint with the SEC, but thought I'd go with you guys frist.Afterwards, I will pay for a LAWYER to sue them for XXXX XXXX... Please let me know as soon as possible. Thank you!
Consumer complaint received 2022-11-19
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)

Sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting my credit