davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-27
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: Global Lending Services LLC (NC)

Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud
Consumer complaint received 2022-03-15
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. (CA)

i have been writing transunion for 2, years now, and they refuse to remove this account XXXX XXXX, that is not mine. i have done a affidavit, 2 years ago, and they ignore the affidavit. they never gave me a " early warning notice before placing this in my file, and now refuse to take it off. After 2 years, enough is enough, i'm disgusted, a single mom, spending time and hours on this one account, instead of providing for my daughter. It is even more now depressing knowing that the bureaus have only investigated 2 % of all disputes in the lat 2 years, how is this humanely possible, an agencys, with so much power ruining human beings lives
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC (OH)

I Received a call XXXX XXXX, XXXX at XXXX from XXXX in regards to a XXXX XXXX XXXX account that is XXXX XXXX XXXX from Glass Mountain Capital XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX, XXXX XXXX. I informed the representative that I am willing to settle the account for XXXX of the original debt. The representative then transferred the call to someone who could arrange this payment. I then began to discuss the same guidelines with the next representative. She then informed me that see could see my existing credit card with other establishments with Balances of XXXX and XXXX XXXX dollars. Which I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have never heard of a company leveraging existing account to force a payment from a client. I hung up and called the company back and asked to speak to an supervisor who refused to provide me with the information needed to reach out to the Consumer Financial Protection Bureau. I asked where the received their license to collect debt so that I may call and lodge a complaint. The supervisor dismissed my request and transferred me yet again to another unhelpful representative who could not and would not answer any question I had with regard to their practices or licenses. I ultimately received the CFPB from a fellow professional who was absolutely shocked by the manner in which this was handled.
Consumer complaint received 2021-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (AR)

In XX/XX/XXXX, UAS XXXX changed their online system. Since then none of my payment attempts have processed. On XX/XX/XXXX payment for {$50.00} was made, on XX/XX/XXXX {$64.00} payment made, on XX/XX/XXXX 5 payment attempts of {$110.00} was made, on XX/XX/XXXX payment made of {$110.00}, XX/XX/XXXX payment attempt of {$110.00} was made. I was told in XXXX that my payment attempts for XXXX and XXXX did not process. There was no time for me to try to correct the issue. On XX/XX/XXXX my check for {$200.00} was cashed and payment still has not posted. I was told it was my ACH accounting info was wrong. I called my bank in XXXX and XXXX and informed my ACH info was accurate. UAS XXXX continues to tell me they dont know whats wrong, they dont know where the check went. I emailed a copy of the front and back of the check on XX/XX/XXXX and XX/XX/XXXX. Still doesnt show posted. They do not accept credit card or debit card payments. Only able to pay through ACH payment. The account is showing closed on my XXXX credit report and UAS XXXX stated I needed to dispute it because they see the transaction attempts. I did dispute the error with the XXXX credit Bureau and was informed that the information is accurate and they could not reactivate that account on my credit report. Due to this issue, I dropped XXXX pts on my credit report, showing I have missed and late payments. I am being told the issue is my fault but have proven it is not, I am not getting proper assistance with how to pay them. When asked if I could pay it off in a bank somewhere they said no. They only accept ACH payments. I have spoken with a XXXX, who told me they would remove my ACH payment and we can re enter it, never was done. I spoke with XXXX twice and was told they dont know whats wrong, my bank info is wrong. I am getting nowhere with them and can not resolve this issue that is now effecting my financial life. I have been personally blamed by the people I have spoken with that this issue is my fault. I never had issues with payment until the changed their system. I have deleted and re added my banking information and still didnt work. When calling UAS XXXX, they are experiencing longer than normal wait times, the people who review paper payments are backed up. Appears they are having a bigger issue.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC (TX)

Company, Valor Intelligent Processing is calling my personal phone number at all hours of the day, spoofing multiple numbers while doing so, during work hours/non-work hours, and leaving automated voicemails that have a misleading tone to them. They say, " Valor intelligence Processing calling on behalf of XXXX Texas XXXX XXXX concerning an important business matter. Please call us back at XXXX at your earliest convenience. '' They harass me almost every single day, multiple times a day. 

I called back finally today, XX/XX/XXXX, at XXXX and asked them to stop calling my number, did not provide name or number since clearly they already know who it is, and the agent continued to try and press for my personal information while talking over me and just being pushy in general. I never got what I requested done and told them I will be filing a complaint with the Consumer Financial Protection Bureau. 

I called another collector 5 minutes later, albeit, trying to reach someone who had this number prior to me, asked them to stop calling without providing any personal info, and it was taken care of. Why is this such an issue for Valor Intelligent Processing? 

This is not them calling about business matters, this is them harassing and misleading me in order to collect a debt for tolls. Extremely frustrating when I call someone back regarding what I think is a business concern, and it turns out it is just someone calling me to collect toll money. Last I checked, the XXXX was to stop charging tolls on roads that construction was completed on, but alas, here we are. I stopped paying them in this case, because while using their app, they tried to draft my account for over {$500.00}, when I only approved {$30.00} singular transactions. Luckily I set a limit per transaction for this account. If it happened to anyone else, XXXX would tell their customer to kick rocks and they would be out {$500.00}. I also have to take time out of my day, while I am supposed to be working, to file this complaint. 

Call log & number history from now, back until XXXX. There are probably other numbers, with different area codes they have tried to use to call me as well ; but they only leave voicemails with the XXXX area code numbers. 

XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX
Consumer complaint received 2022-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am from NY and I have received a XXXX traveling amount to go to NY even though I live here already! I have statements using my card in Ny and I was never out of state. Also a charge was made at a store I believe to be at some sort of airport with my info! 
XXXX : {XXXX} Store : {XXXX}
Consumer complaint received 2022-04-11
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. (NJ)

My husband ( XXXX XXXX XXXX ) opened an account XXXX in XX/XX/XXXX. On XX/XX/XXXX I was added as account supervisor to my husbands XXXX XXXX XXXX 's card. I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). Immediately I was rejected AND simultaneously removed as account supervisor on my husbands card. 
Somehow the credit agencies put me on as cardholder. After previous complaint they removed SOME of the information on my credit report. It still says {XXXX} & TERMINATED. Neither was I terminated nor did I cancel the card on my credit report. 
I NEVER HAD A XXXX XXXX CARD NOR CREDIT IN MY NAME. 
The limit is ( properly ) on credit info of XXXX XXXX XXXX. It should not be AT ALL on XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union has my credit file locked. I am trying to get my credit file un locked. Trans Union provides instruction through its service XXXX XXXX on how to do that. They provided a website that tells me I can cancel my true identity account which will unlock my credit file on line. A web link is provided in there service agreement which states that by going to the page I can select the link and cancel at anytime however when you navigate to the link provided there is no way to cancel the true identity account. The link is XXXX XXXX XXXX XXXX There is a phone number provided XXXX however it does not offer anyway to cancel, or get to a person. There is a prompt that tells you to select if you want to unlock your account but when it is selected the call disconnects and I am hung up on every time.
Consumer complaint received 2018-12-15
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. (CA)

Experian Credit Bureau has failed to correct an error in their reporting of a credit card account after the credit card financial institution XXXX XXXX XXXX XXXX XXXX changed the account number of my credit card and reported to Experian to the change. Instead of changing the account number and deleting the old number Experian just dropped the Credit Card account completely. The other 2 credit agencies show the change, but Experian did not and has failed to correct the problem after several months. I believe as a result of their incompetence it caused my FICO score with Experian to drop 40 points less then 2 weeks and damaged my credit options. I have spoken to both Experian and XXXX XXXX XXXX XXXX several times. XXXX XXXX informed me they have requested Experian to correct their error, but Experian continues to fail to do so.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (KY)

I am contacting NCB in regards to proper resell of vehicle again. I have now received and reviewed what you have mailed, however, I see inaccurate and invalid dates. The dollar amount of {$16000.00} you are reporting to all 3 bureaus is not the deficiency balance. NCB has not outlined their calculation and is the wrong dollar amount. At this point I believe there was not a proper resell of the vehicle as it is not properly outlined or how it was determined. Is this why XXXX XXXX, whom you outsourced to, submitted the file back to you a week after questioning the account? Not only am I skeptical, but Im also disgruntled. Not to mention how aggressive and helpless the representative/manager made me feel when I called in and mentioned disputing the file. 

I demand that NCB remove the report from all 3 credit reporting agencies ( XXXX, XXXX, XXXX ) as this has harmed my credit and is considered a violation of the FDCPA and FCRA. Please do not contact me anymore either.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2022, I manually paid my credit card balance on-line. The payment was also auto -paid on the same date, resulting in a double payment of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-payment would be used to cover my next purchases made with my credit card. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money. I called the company and informed them, and was told by their customer service representative that the amount of {$7900.00} would be refunded back to my bank account in 2-3 business days. I was given the case # of XXXX. I waited two weeks of no refund being given and then called the credit card company again. They told me that the case was " in process '' and could not tell me how long it would take to be resolved. They told me to call back in a week if there was no resolution. After 2 weeks of still no refund, I called again on XX/XX/XXXX, was told that I needed to speak to someone in the dispute department which was closed, and was told to call the next day during business hours. The next day, I spoke to XXXX XXXX XXXX, XXXX # XXXX, who assured me repeatedly that she would e-mail me a response to the dispute in 24-48 hours from then. That never happened. On XXXX XXXX, I again called the credit card company and requested to speak to a supervisor. The supervisor, who told me only her first name, XXXX, said that disputes are not addressed until up to two billing cycles from the time that the case was opened. This seemed ridiculous to me for something that was obvious ; the double payment appears on my billing statement as well as a withdrawal from the company from my checking account. I asked XXXX to escalate the issue and let me speak to someone higher ranking, and she hung up on me.
Consumer complaint received 2022-10-18
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. (PA)

My name is XXXX 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 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion credit company deceptive marketing practice deceives customers by requesting credit credit information with no description specifically as to way the credit card information is needed. My assumption was that my credit card information was needed as part of Transunion identification process and not for some type of " membership '' charge of {$24.00}. Apparently Transunion and mulitiple websites e.g. Transunion.com and XXXX. In order to established an account with Transunion for monitoring and obtained a " free report '', no information is listed for consumers that they will be charged {$24.00}. On XX/XX/2021, I went through the website Transunion process to establish an account and as I was going through their website process from identification, I was charged the {$24.00}, for a " membership '' fee. The website is set up in a way to provide the preception of steps of identity, no consumer information within credit credit information to note a charge of {$24.00} will be applied once information is provided. Truly disappointing and deceptive for a credit card company trick and deceive consumers to increase profit margins in an unethical way. Now I have to go through process of credit credit canceling, etc. due to unfortunate situation with Transunion.
Consumer complaint received 2021-02-21
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. (MN)

The following credit card accounts thats currently listed on my XXXX, Experian and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NRA Group, LLC (NY)

NATIONAL RECOVERY XXXX started reporting a XXXX XXXX debt account XXXX on my reports with out sending me a debt collection letter now they must remove the account off my credit reports because they can not collect on exempt funds nor can they report a collection on exempt funds by reporting a debt that is exempt from debt collection is considered continuous collection on exempt funds which violates the exempt income protection act they must delete this account or be sued for continuous collection on exempt funds
Consumer complaint received 2021-10-27
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: DriveTime (NC)

Hey so theres like XXXX unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my XXXX credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

We were hit with COVID in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called Capital One multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with Capital One as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.