davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

In XXXX, Discover Bank requested some additional personal information. 
I informed them I would be mailing it within 24 hour which I did.

They claim they did not receive the information and instead of informing me they did not receive it, which I would gladly email or fax, they closed my account and reported it to the credit bureau without ever contacting me first. 
I spoke to them and they simply stated " sorry, notining we can do now ''. 
this is a very unscrupulous practice since I should have been notified they did not receive the information before taking such action against a customer.
Consumer complaint received 2023-08-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

XXXX XXXX on XXXX stating that the name of the company is Citi Financial XXXX With a XXXX XXXX phone number of XXXX. I returned the call and the asked for me but by my past married name that I havent carried since 2012. I had a feeling it was a scam collector. Upon reverse look up, it is not attached to any legitimate business, the person said they were collecting for a XXXX XXXX which Ive never done business with, and read off my address that I lived at over XXXX yrs ago. Threatened to have the sheriff come arrest me for fraud after I asked for copies of the paperwork I signed to incur the debt as I have no recollection of any business between myself and the named company. Then proceeded to hang up.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (DE)

A few months ago, I received a call from my bank asking me if I made a purchase of {$680.00}. I never use that card s they flagged it. I told them not I'm still not using this card right now. My bank XXXX XXXX blocked the transaction. I thought it was over, however 30 days later I seen a collection on my XXXX account for the same amount. So, I looked into it. The company is called XXXX XXXX XXXX. I give them a call and they looked up this account they told me someone brought a phone in New York and sent it to an address in New York. I've never lived in New York. they also said the email did not match. XXXX XXXX XXXX told me they would look into it. Next, I called the company XXXX XXXX XXXX sold this debt to which is SECURITY CREDIT SERVICES, I asked to speak to a supervisor. The woman on the phone refused to let me speak to anyone besides her. So, I believe this company might be shady as well. I then called XXXX to file a dispute. After doing all this I've locked my credit report. But I need these false collections removed because it's hurting my score. I'm not sure what more I can do.
Consumer complaint received 2020-11-13
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)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (TX)

I have a home mortgage loan through Amerinat nationwide loan services. I have always paid on time and early an have never been late and have always paid the full amount, if not extra. Nevertheless, I received a credit monitoring alert this morning that stated that my credit had dropped 60 points. Upon investigating what caused the credit to drop, it was reported that Amerinat had reported that I was a victim of a natural disaster/declared disaster. So, I called to see what this was all about and the lady on the phone stated that because they did not report to the credit agencies for the month of XXXX that they went ahead and put on everyone 's account that they were affected by a natural/declared disaster. I told her that was illegal because I paid on time and early for he month of XXXX and since I have had the loan. I told her I wanted to speak to a manager, who was not available. So, she proceeded to tell me that I needed to go through collections to settle the dispute, since their collections department was the one who reported it. They advised that I needed to dispute it, which I told her was ridiculous because the fraudulently reported that I was affected by a natural/declared disaster. I have never once asked them to defer a payment, so the fact that they reported to a collection agency that I was affected was illegal. She said there was nothing that she could do and that I would have to write an e-mail stating what happened, which I did. Moreover, I am reporting this because it is illegal, because it was fraudulently reported to the credit agencies. I have proof of Payment for all the months that I have had the home loan and I have the email proof from Amerinat that I have always paid on time and have never been late. I was not affected by a natural/declared disaster. My account number through amerinat is XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (PA)

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Improper account spending limit change Company ( American Express ) Saturday, XX/XX/XXXX at approximately XXXX XXXX  I had XXXX dollars of available funds in my account my spending limit on my card was before XXXX XXXX  that day and the time before was XXXX dollars. I've been with American Express for a few years and have made every payment on time, and have never been late. As I stated above my spending limit was XXXX dollars I had an available fund of about XXXX dollars before XXXX XXXX. After XXXX XXXX  I noticed a change in my spending limit and a change in my available funds as stated my balance on the card was XXXX and my spend limit was XXXX the card had gotten me through buying all the necessities for my home but I still made sure I paid the minimum balance. Recently my goal was to start paying the card off in big chunks my XX/XX/XXXX - XX/XX/XXXX statement was XXXX I then paid XXXX on the card with put my XXXX XXXX XX/XX/XXXX adjusted balance to XXXX the list of payments I submitted on my account was a payment for XXXX on XX/XX/XXXX, On XX/XX/XXXX I made a payment for XXXX, and the XXXX dollars that I made before my statement for XXXX XXXX XX/XX/XXXX. I called American Express because they change my spending limit but could not for some odd reason where the XXXX dollars I had in available funds went because I paid XXXX dollars on my card of money that I put back the card which means if I pay it back I can now use it but no one can tell me where my funds went and now my account is left at XXXX dollars from just had a fund of XXXX no matter if American express refreshes your spending limit you already paid on the card for the refresh and had those available funds so they should not be taken AT ALL. I was left with the same statement balance and a lower s [ ending limit and they had no clue when I contacted them multiple times on the same day XX/XX/XXXX where XXXX dollars vanished too because there was no indication of it at all.
Consumer complaint received 2023-03-21
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. (SC)

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. 


Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my Transunion report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX  XXXX XX/XX/XXXX-was an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/XXXX on Transunion and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/XXXX. 

I have disputed on numerous occasions but the information is still inconsistent.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one fails to process " correction of error '' as a standard for actual damages which cost me increased in denial to close on recent mortgage, lost of XXXX money of {$7500.00} and other caused my credit score drop significantly. when I expressed to capital one that they are exhibiting abuse of power knowing that I never received the card, no knowledge of terms of agreement of any annual fee, card was never activated, non receipt of any statements yet they placed the master card allegedly opened in XX/XX/XXXX of {$300.00} limit now negatively reporting sporadic late entries on my credit for months upon months for annual fees, late fees and interest for deceptive and false reporting. 

I learned of this issue in XX/XX/XXXX of the issue as i was not aware of this account reporting on me due to i have other accounts with capital one. Capital one is truly and the only one that reaped all the benefits of getting money deceptively from me while i as the consumer suffers reducing credit scores,, lost of {$7500.00} for earnest money in not able closing a mortgage loan due to that account reporting negatively and ongoing risks of high interest rates. The deceptive behavior of all at capital one continues to harm me. Not only has Capital one failed to conduct ethically under the guidelines of the FCRA but Capital one has willfully violated TILA and regulation Z 12 CFR 1026.9 - Subsequent disclosure requirements and only continues to act unfair and deceptive. Capital one agents expressed and promised to remove all fees and negative reports due to the facts of my having no knowledge of this card and told me to just pay AND THEY WOULD DELETE ACCOUNT. the ONLY OTHER legit cards that used with a master card of capital one as i was an authorized user opened in XXXX for limit of {$300.00} only other legal cards I have is the {$500.00} limit MC opened in XXXX card master card with capital one. I have been only abused and only received unfair and deceptive conduct from Capital one of all this false AND DECEPTIVE reporting.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (FL)

I have been driving for XXXX full-time for over 2 years and am a highly ranked driver with a 4.99 ranking out of 5.0 with over 6000 riders. I have not been able to access the XXXX platform in 3 WEEKS because of my prior background check expiring while CheckR ( XXXX 's 3rd part background check service provider ), conducts the current background investigation. The company states background checks take 3-5 business days. As per XXXX the driving record part of the investigation is complete but the criminal background check part is still pending after 28 D-A-Y-S and counting?! 
I AM NOT A CRIMINAL. I HAVE COMMITTED NO CRIMES. Yet, I am guilty until proven innocent in this bureaucratic process that takes advcantage of the fact that XXXX drivers are " contract workers '' .. 
Meanwhile, I have literally lost XXXX $ of dollars of revenue as my XXXX account is suspended waiting for CheckR 's response. I have received no email communications from CheckR requesting any further information. It is IMPOSSIBLE to get ANYONE on the phone let alone have someone EXPLAIN what the hold up is. The only resource is a cookie-cutter FAQ page on their website about what " MIGHT '' be holding up the background check. When you attempt to call it leads to a recorded message that refers you back to their website portal and promptly hangs up on you?!

Meanwhile, I am unable to drive for XXXX OR ANY OTHER COMPANY that uses CheckR as their background company. I am left with NO RECOURSE, NO INCOME, and NO ALTERNATIVES to replace my livelihood as a gig driver!!!
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 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 2021-11-06
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. (MN)

I called Equifax to report fraudulent inquiries. I never received a noticed with proof the inquiries belong to me under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Credit Collections Serivces/ Third party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy
Consumer complaint received 2023-03-28
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-12-03
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

On XXXX Enhanced Recovery Company ( ERC ) reported a 'new ' collection from " XXXX '' to my report dropping my score by 20 points without notice or warning. I obtained a more detailed report from XXXX and saw that ERC opened this account on XX/XX/XXXX and states that I owe XXXX. ERC also obtained my credit report on XXXX. I do not owe XXXX any money and there is no reason to report this debt as if it is new with no communication from the agency that has had access to all of my current personal and contact information as of XXXX. Based on previous credit reports and information obtained from my research, the only XXXX debt on my credit was successfully disputed and removed in XXXX and XXXX because it was fraudulent and I did not open this account. The debt is being sent to different agencies and reported as 'new ' and it is ruining my credit that I have worked hard for over the past few years. I did not contact the company because I have dealt with them in the past over other debts that were obviously not mine ( using an address I have not lived at for nearly 10 years ) and they are rude, nasty and disrespectful. They also attempt to get you to agree to pay so they can start collecting on time-barred debts. This company is illegally trying to collect a debt that is not mine after 5 years and successfully disputing this account with other agencies and having it removed twice. This company has no interest in speaking with customers over fraudulent accounts and just want to verify your information, new or old, so that they can look for other debts of yours to collect on. This company has used the pandemic as a means to recover debts by reporting a collection to my credit to force me and others to pay for deletion to keep their company open during this time. I have disputed this collection once again with XXXX  and XXXX  as soon as I saw the notification early this morning.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (NC)

Caliber Home Loans, continues to report outdated, derogatory remarks to my XXXX  Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with XXXX  Credit Bureau on XXXX and on XX/XX/20. Received a response from XXXX  on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, Caliber Home Loans FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a Caliber Home Loan representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.
Consumer complaint received 2023-03-28
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. (TN)

Dates ; XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX Amounts : Up to XXXX dollars worth of accounts that are not mine currently being reported on my credit reports Action taken : I filed a police report, and went on the FTC website and signed up for ID theft prevention measures as well as filed a FTC complaint.