davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
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. (GA)

I've submitted information to Experian multiple times, once on XXXX and again on XXXX, advising them that certain account weren't mine and were fraudulent accounts. This bureau is the only bureau that will not remove XXXX XXXX XXXX accounts from my credit report. One is saying it is an charge account or credit account with a balance of {$8900.00} and an installment loan account with a balance of {$22000.00} I've asked the bureaus as well as the creditor to provide me with documentation showing my signature to show that I authorized these accounts to be opened, and never received any of the requested documentation. I've filed a complaint with the FTC and The Attorney General, and was advised that it would be investigated but that I also needed to file a complaint directly with you all The CFPB because you all work directly with the reporting agencies.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I discovered in XXXX the following collection on my account : RASH CURTIS & ASSOCIATES Account # XXXX Collection opened XXXX XXXX, 2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 {$560.00} I called Rash Curtis believing that this was an overcharge on another Medical Bill I had made arrangements. After further investigation I found out this had to do with Medical Identity Theft fraud in which someone who stolen our identity information 5 years ago had been using periodically. I disputed the account on my credit bureau and provided the police report and they still refuse to remove the account.
Consumer complaint received 2022-08-01
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 # 1. account name XXXX XXXX account number XXXX date opened XX/XX/XXXX {$600.00} balance Account XXXX XXXX DPT Treasury Account number XXXX {$440.00} balance Account number # 3 XXXX Account number XXXX date opened XX/XX/XXXX balance XXXX has ALL 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
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, I received a letter from Resurgent  stating XXXX XXXX XXXX XXXX SOLD my personal and private information to them on XX/XX/XXXX and to LVNV Funding LLC on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
XXXX XXXX XXXX claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am submitting this complaint because I am being extremely affected by Capital One Bank National. They are being completely unfair and I dont know how to get ahold on them but through this portal, since I have been calling their customer service but I haven't been able to get a solution. 

I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with this situation. 

I was on auto pay, but the system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount he had to keep on changing as the minimum payment changed. 

In XXXX in our state Georgia we were affected by XXXX XXXX. My office was located in the area of the natural disaster at the time, my assistant normally pays my bills for me. The internet had gone done due to this disaster. 

Finally when I did get internet access, the Capital One account was locked, I tried to get capital One to send website log, and Capital One has refused to do so. 

Capital One sent no late payment notices to my address, and when I called to find out why, they said they had been calling me, but the phone number they told me was one that was located in Washington and didnt belong to me. The phone rep could not explain how this happened and said Capital one messed up and they were going to make corrections. 

I am just asking for what is fair in this case : I need to get the late payment reported on XX/XX/XXXX to be corrected on the account. 

The account information is as follows : Account number : # XXXX Account status : Open Type : Credit Card Responsibility : Individual Balance : {$0.00}
Consumer complaint received 2022-08-01
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)

I am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-24
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. (CA)

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (ME)

I received a letter from the company Convergent today, XX/XX/XXXX, stating that I owe the company XXXX a debt of {$560.00}. The letter is dated XX/XX/XXXX. I have never received a bill from XXXX or have an account with them. I used XXXX 's service in XXXX when I worked for them, and paid about {$20.00} a month. I never owed them a bill as I paid them off and switched companies. XXXX has never repored a debt to any of my credit report companies and upon researching this I have found many people that have been contacted by Convergent for debts that they have never heard of, many for XXXX. I immediately called XXXX and talked to a representative. Since I do not have an account with them they stated to disregard the letter as it is possibly fraud. The rep stated that if I get another letter to go into a XXXX  location and show them and to have them report as fraud. They couldnt do anything further for me over the phone. I am afraid this company is trying to collect a debt on a fraudulent account opened using my information. My credit reports have stated i have had past information involved in data breaches from different companies. I will not be contacting the company Convergent as I do not want them to start calling me or trying to collect more information from me. I am locking my credit reports at this time but i fear that this company will be able to report this debt to my account when I do not pay. I will dispute it if they do so.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Like many Americans I was severely affected by XXXX. I settled an account and paid as agreed with Synchrony Bank Pay Pal Credit on XXXX XXXX company sent me an acknowledgment of settlement on XXXX XXXX. The company went on to report late payments after the account was settled and paid as agreed until XX/XX/2020. When I contacted them they refused to correct the error and on XXXX XXXX a representative threatened to report the remaining balance as a charge off. Even though they offered the settlement and I accepted, the account was never charged off or sent to collections.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an ad from Bank of America that said if XXXX ) I opened a checking account XXXX ) Set up direct deposit of XXXX or more within 90 days ... then I would get a {$300.00} incentive or bonus added to my account. 

After .... 
XXXX ) Opening a bank account XXXX XXXX Having $ XXXX in direct deposit within 90 days and calling several times I have not received the {$300.00}. This seems like a technology issue where they don't recognize that I enrolled in the issue. I shouldn't be penalized for a broken website. 

According to the terms and conditions I should have received the {$300.00} at this point. I should not have to call several times to resolve this issue. The representatives can't even find the terms and conditions for the offer.
Consumer complaint received 2024-10-24
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. (CA)

XXXX. In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I fell behind on y credit card account, and capital one contacted me, saying that if I made 3 on time payments on my account, they would reinstate the account after 3 third payment was made. After 4 on time payments, the account is still restricted, yet they keep telling me to wait, and wait, and wait. I understand they can conduct business in any way they see fir, I just dont think it is right to blatantly lie to consumers after you have offered them an opportunity to resolve the issue and make good one the agreed upon conditions for reinstatement
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

I closed with Amerisave on a refinance of my primary home on XX/XX/2021 with a public notary. The loan was a standard conventional mortgage with a fixed and locked interest rate. My right of rescission period ended on XX/XX/2021 ; the loan was set to fund on XX/XX/XXXX and subsequently pay off my existing mortgage. The lender never funded the loan and provided no notice ; I have violated no pre/post-close conditions and the lender has not provided a legitimate reason as to why the loan was never funded. 

On XX/XX/2021, I had communication with the lender asking to confirm if everything was cleared from the closing and funding and to let me know if there were any follow up items that needed to be addressed. The lender did not follow up with any outstanding items needed to fund the loan. Upon discovery that my existing loan had not been paid in full as of XX/XX/2021, I began repeated escalation with the lender and received no response until XX/XX/2021. Upon communication with the lender, the lender admitted fault in failing to fund the loan due to a mistake in their processing, that I had met all terms of the agreement and stated it would fund the following day on XX/XX/2021. The loan did not fund on XX/XX/2021 and the lender stated a new closing would need to occur and that all terms of the executed Closing Disclosure would be honored. 

The lender is now reflecting additional fees of {$9900.00} to {$15000.00} to be borne by me and refuses to acknowledge the executed contract and its obligations. At no point between closing, funding and the rate lock, did the lender make any mention of outstanding items necessary to fund the loan and made no requests for additional documentation. Additionally, I proactively reached out to the lender to inquire if there were any outstanding items and to confirm the loan would fund between XX/XX/2021 through XX/XX/2021 ( both in electronic and telephonic format ). 

The lender failed in good faith to process and fund the loan, has failed to honor the contract and provided the borrower with adverse financial terms.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TN)

I have a credit card with American Express ( The XXXX XXXX American Express Card ) On XX/XX/XXXX, I made a {$23000.00} payment against an outstanding balance of {$24000.00}. On XX/XX/XXXX, I visited the American Express online portal https : //XXXX to verify receipt of my payment and to check the total outstanding balance. The site showed a {$1500.00} Total balance that included charges included {$1000.00} posted since XX/XX/XXXX. Those charges checked out. However, a pop-up linked revealed additional information, to wit : " A plan has been created with Plan-It on this account. The balance will adjust as plan payments become due. View Plans. '' I did create a " Plan-it '' plan back on XX/XX/XXXX. The " Plan '' was to select and group ten purchases and pay one flat charge over a period of ( 24 ) months for {$110.00} on a {$2200.00} grouping of charges. 

Problem 1. {$480.00} out of my {$1500.00} balance as of XX/XX/XXXX, is residual " unpaid interest '' from the created plan that American Express solicits and offers its customers. Purportedly, to better manage high unpaid outstanding balance. American Express claims it would save the customer interest over a period of time. However, American Express, as a " banking subsidiary, '' does not disclose the actual ( APR ) interest rate on its " Plan-it '' program. 

Problem 2. When a customer pays on a single credit card account. He/She is paying toward the total outstanding balance, which includes, principal plus, interest. Question : Then why can American Express arbitrarily determine which is principal, and what is interest, if a customer decides to pay off or significantly reduce his/her total balance, and thereby eliminating aggregate interest charges before the " 24-month Plan-it '' term ends. What is the savings here?

Problem 3. As a customer in good standing, I am uncertain whether I actually benefited from making the " Plan-it '' offer that was solicited to me.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I chose this option to file a complaint because there was no filing option for my problem. 
I closed my Chase Bank credit card on XX/XX/XXXX. I need to get copies of my statements from XX/XX/XXXX to XXXX XX/XX/XXXX. I had a paperless delivery of my statements and need paper copies for tax purposes. 
I login to Chase online and Chase knew my name, address and phone number ( please see attachment ) but did not recognize my card number. 
I called XXXX and the phone number on the back of my card, XXXX, but could not get through - getting an automated reply that my card number is not recognized. 
My card is XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 

I am filing this complaint to get paper copies of my statements since I can not get through to Chase.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (OH)

Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.