davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLC has been been contacted numerous times, 6 to be exact, over the last 3 years regarding requests to verify two debt amounts they purchased after they were bought from a previous creditor, just before the statute of limitations would have made these debts unable to pursue. The debt amounts listed on my credit report are {$900.00} for XXXX XXXX XXXX and {$590.00} for XXXX XXXX. I have sent a total of 6 letters requesting verification of these accounts and have placed multiple calls, the last being Monday XX/XX/2019. 

At no time have I been contacted by this company regarding these accounts despite the fact they continue to update and claim the debts are still owed. During phone conversations, verification of debts owed are promised but never received. I am always told that the information regarding specific dates are not readily available to be given on the phone and would be included in the verification of debt they would send to me. Again, no letters have ever been received. 

These debts are past the statute of limitations for collections and have been disputed through XXXX and XXXX  multiple times. However the creditor continues to provide false information to keep these debts on my report, severely damaging my credit score.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid 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 (FL)

XX/XX/19 Contacted Capital One Dispute Resolution to file a dispute against XXXX XXXX car for the amount of {$750.00}. During the call the Agent could see that a credit for that amount from XXXX was pending and advised us to hold on filing a dispute to let the credit clear which we agreed and cancelled the dispute with the agent. 

XX/XX/19 The credit from XXXX XXXX for {$750.00} cleared our account. 
No further action taken on our end. 

XX/XX/19 a Rebill charge from Capital One appears on my statement for {$710.00}. Upon calling Capital One I am told by the Transaction Manager that our dispute was never cancelled by the agent, a mistake on their part, and that a credit was issued to my account in XXXX ( back dated to XX/XX/19 ) but showing up on my XXXX statement for {$710.00}. 

Upon questioning why this fraud credit was issued by their agent and not removed right away there was no response other then they have 90 days to resolve a dispute. There was no dispute. The agent did not have my permission to place any dispute, nor did they have reason to as they could see the credit pending in the system.
Consumer complaint received 2020-05-02
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: Bread Financial Holdings, Inc. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On my XXXX credit report, via XXXX XXXX, I noticed that in one day my points dropped XXXX points. Nothing in my credit shows any reason for an XXXX point drop. I have asked for an explanation from TransUnion and have not received one. XXXX point drop by any means is a huge amount and would have to default on all my loans, etc. My loans and credit are in good standing. I need it fixed and an explanation.
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Now I am being charged by Experian for a bogus charge against my credit card and my checking account. A charge of {$24.00} has been charged against my Credit Card/ Bank account with out any authorization from me. 
I was never notified or have I spoken to anyone at experian regarding a charge against my Credit card or my Bank account. 
I have had to destroy my C/C from my bank and dispute this charge by Experian that Once again " I never authorized ''. had no idea I was going to be charged and have no idea what the charge is for? 
I want experian to be held totally responsible for all of my inconveniences. and to send me a letter of apology.
Consumer complaint received 2019-10-23
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. (CA)

XXXX credit card sent me an invitation number to apply for credit I went online stared to fill the questions but half way i stopped and decided not to apply anumore I changed my mind I called the XXXX card customer service amd asked them why they proceed with my application if i did not summit and finished it They told me that i had enough info already that they proceeded without me summitting it I received an experian credit alert and it will stayed there for 2 years without my consent The lady who i talked to said it will stayed there I think they lie Nd when i called they wanted more info to complete Si whi ch one it is I did not applied
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

I closed my account with XXXX ( Account XXXX ) sometime in XX/XX/2019. They were increasing my rates and I no longer wanted to be affiliated with them. Previously, they used to pro-rate their charges but then they told me that they changed their policy ( without notifying me ) and now I will be forced to continue with them until the next billing date or I will still be liable for the charges. I explained to them that I wasn't made aware of this policy charge either via email or notified in any way. They said, its on their bill. But I did not receive any paper bills and on their online bills there was no mention about this policy change. I asked them to give me a prorated bill as this is what the policy was when I signed up with Spectrum but they proceeded to put that amount in collections and now are forcing me to pay that amount by putting a derogatory mark on my credit report. I was not contacted by the collection agency before they decided to report this to my account.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  Balance {$900.00} account # XXXX XXXX XXXX XXXX Balance {$50.00} account # XXXX XXXX XXXX Balance {$0.00} account XXXX XXXX XXXX XXXX Balance {$330.00} account XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$100.00} account # XXXX Balance {$55.00} account # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

In 6 months I been getting overdraft. If Im negative I should know but it show I have enough money and the. Next day it had overdraft but the end amount is not negative from the previous day Overdraft dates XX/XX/XXXX {$35.00} x XXXX total $ {$100.00} XX/XX/XXXX {$35.00} x XXXX total {$100.00} XX/XX/XXXX {$35.00} x XXXX total {$70.00} They dont show you need to deposit money until its too late and they are phishing to charge you the overdraft. They need to be transparent and give clients the opportunity to deposit the money they are negative. A lot of transactions dont show and when they do they add the overdraft fee.
Consumer complaint received 2022-07-11
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)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX XXXX Account : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have contacted Equifax Credit Information Services several times this year 2022 and most recently on XX/XX/2022 to inquire about Equifax not reporting my secured credit card and secured loan with XXXX XXXX XXXX in XXXX, TX. XXXX on XXXX XXXX XXXX. These accounts have been opened since XX/XX/2022. And Equifax refused to report these accounts on my credit report. The last Confirmation number I was given by a representative at Equifax is XXXX, and XXXX. I have mailed copies of the statements of these accounts to Equifax and have called and Equifax continues to not report my pay history and the existence of these accounts on my Credit Bureau report. Equifax is intentionally not reporting these two secured accounts on my credit report. In which is inadvertently affecting my credit score. The secured master card has a limit of {$300.00} and the secured loan has a limit of {$500.00}.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Flooring was supposed to be installed in my home and a payment be made to the flooring company, flooring was never installed, but the flooring company took the money. My bank will not refund the money. USAA is allowing this business to steal {$7500.00} from me.
Consumer complaint received 2019-10-23
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. (CA)

This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.
Consumer complaint received 2022-12-27
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-10-23
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. (CA)

This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (MA)

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 2020-09-03
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. (TX)

I am writing about my experience with Experian credit bureau not doing a valid investigation on a dispute that I opened on my account with an old credit card account. There is a closed XXXX/XXXX XXXX credit   card account number : XXXX on my report that has 2 late payments in XXXX and XXXX of 2019. This is incorrect, this account should not have any late payments listed. I demand these payments be removed or this entire account be DELETED from my report. This same account is showing on my XXXX report as being PAID ON TIME/NEVER LATE. I have disputed this with Experian, and they have finished my dispute but did not fix anything. They didn't change anything, yet the dispute says " updated ''. How could this be factual, if it shows paid on time with one bureau and not the other? I am requesting method of verification or this needs to be deleted immediately. I do not want them to open another investigation, because they just completed one after having me wait days for them to not fix this. My dispute report number is:XXXX. I need this account updated to paid immediately, or completely removed from my account right now. I am attaching pictures of my XXXX report, and my Experian report as well to see the difference.
Consumer complaint received 2020-09-03
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. (PA)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance now.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OR)

We canceled our Insurance with XXXX XXXX XX/XX/XXXX and move to XXXX  XXXX.. After receiving several check for premium refunds, we realized XXXX had not refunded the XXXX we had coming on this policy.. I contacted XXXX XXXX XXXX XXXX to inquire about the missing XXXX XXXX contacted XXXX and they gave him the last XXXX of the XXXX card XXXX they had credited for the amount of XXXX We continued to call XXXX over the next 90 plus days to see if anything was ever pending.. XXXX never received the refund so they suggested filing a dispute for the amount XXXX owed.. We finally received credit back to our XXXX account mid XXXX after filing a dispute, we thought things were done and over.. 
I then receive a demand letter from XXXX on XX/XX/XXXX, postmarked XXXX XXXX I contacted XXXX XXXX that same day, he gave my file to XXXX XXXX to work on.. XXXX informs me that XXXX refunded a different card account with XXXX XXXX  XXXX that had been closed for over 14 months..I contacted XXXX  XXXX  and they gave me the transaction ID number and batch number, they received the refund XX/XX/XXXX and kicked it back the same day since it wasn't a transaction that was drawn on their card.. I gave this info to XXXX XXXX and she called XXXX back, now they requested written proof from XXXX XXXX  that the refund was kicked back.. XXXX XXXX  said it would take 7 days and XXXX was made aware if this, in the mean time XXXX sent me to a collection agency on XX/XX/XXXX for the full amount of XXXXThey know this was in-dispute and if they would take time to research there books they would know this ..I contacted XXXX and XXXX today first thing XX/XX/XXXX and they stated ts out of there hands until I can provide proof from XXXX XXXX, this has been hard to gather from XXXX XXXX  on a closed account, they already provided all the transaction information.. It feels like XXXX and XXXX are taking advantage of the little guy and now sending me to collection after giving us the wrong info and refunding to the wrong card... XXXX now has sent us to collections @ Credit Collection Services
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.
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. (TX)

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.