davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-13
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. (HI)

I sent Experian proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information
Consumer complaint received 2020-07-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (AR)

I have been receiving multiple calls and voicemails from TrueAccord Corp. After the first round, I returned their call and spoke to a company representative. I was told then that I didn't have an account and that the calls had been in error. 
The calls ceased but they called me again today, XX/XX/2021, and left another voicemail saying I had a debt in collection, which I don't. 
So now I'm filing a complaint with CFPB and I will also be filing a complaint with my complete worthless state Attorney General in Arkansas.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC (FL)

I reported it fraud to XXXX and XXXX and dispute it with them they did not give me legally investigation on the debt to be mine. They came by saying it was accurate in 24hour not right by Law. It is a a charge off. and written off.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX1-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-12-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I was gifted this card by a family friend. The value was {$200.00}. Since receiving the card, I have tried numerous times in XXXX and XXXX to request balance and use the card to no avail. I have attempted looking up the balance at XXXX as well as their phone number provided on the back of the card XXXX. I have tried requesting help on the website, however, the links are broken. I can see many complaints about this card on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TX)

I am a victim of XXXX XXXX  I informed XXXX about this however, they ended up removing all of my credit cards from my credit report. 

My Advisor at XXXX had assisted with helping me create my paperwork. She added a few accounts that were opened directly by me. 

I really need these accounts reinserted on my XXXX Credit Report because they do belong to me and they were not affected while I was involved in XXXX XXXX. 

THE ACCOUNTS : - XXXX XXXX XXXX XXXX - AMEX CREDIT CARD - XXXX XXXX XXXX XXXX Please reinsert these accounts on my XXXX credit report.
Consumer complaint received 2022-08-21
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)

On XX/XX/2022, one of the credit bureaus made an error by adding a hardship inquiry ( XXXX XXXX ) was added on to my file, which made my credit score decrease by XXXX points!! 

The inquiry was removed on XX/XX/2022 without restoring my credit score by adding XXXX points back to Mt score so it is XXXX once again. 

XXXX is what my fico was before Experian added by mistake, a hard inquiry and failed to restore XXXX points back to my credit score. 

Experian made this mistake, so I expect Experian to do the right thing and restore my credit score from XXXX currently, back to my original credit score of XXXX. 

Please see attachments as proof their mistake.
Consumer complaint received 2023-04-05
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. (NY)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX - XXXX information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements
Consumer complaint received 2022-09-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX account 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 an account without my written instructions
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX  I attempted to withdraw XXXX from a XXXX XXXX  in XXXX, XXXX ( at XXXX XXXX ) the receipt shows, using my TD Bank ATM Debit card. 
The machine door that opens and gives the cash was faulty and began to crank and make grinding sounds as if the door was having trouble opening and was having a mechanical issue. I waited and waited, nothing happened, the door did not open, a receipt game out saying the money was deducted from my account and the screen went blank. The screen then said the machine was no longer in order. I immediately called TD bank and told them the issue. They credited my account the {$120.00}. 
In XXXX of XXXX, TD Bank then withdrew the amount from my card of {$120.00}. I called I emailed many times and the only response I received was the bank in the XXXX said I received the money .I didnt. 
I even called the XXXX XXXX  in XXXX and they stated that I would have to take it up with the credit issuing bank, TD Bank. 
In XX/XX/XXXX  I went into a TD Bank branch and filed again to get my money.nothing. I called again to file a complaint a few weeks ago and they always promise to get back with me but they NEVER do. 
I would like my {$120.00}. dollars returned to me. TD Bank did not do enough to resolve the issue. 

Thank you
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2024-10-09
Product: Credit 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 (DE)

The situation involves a notification from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX account ending in XXXX. The letter states that after a recent review, American Express decided to assign a Preset Spending Limit of {$5000.00} to the account. The reason provided for this decision was that the average of recent payments, relative to the balance on one or more XXXX XXXX accounts, was too low. 

As a result of this change, if the total outstanding balance plus any charges not yet posted exceeds the {$5000.00} limit, additional charges may be declined. This applies to all cardholders associated with the account. The letter also indicates that American Express may choose to approve charges exceeding the limit but requires payment for those charges regardless.

The notice advises contacting American Express for further information or to request a review of the decision, which can be done until XX/XX/year>.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (NC)

The Goldman Sachs Marcus card offered a {$150.00} statement credit upon reaching a certain spend limit within the first 90 days of opening which they failed to honor. After several letters to the office of the CEO, XXXX XXXX with no favorable result I cancelled the card. 

However, they continue to willingly and knowingly report false information to the credit bureaus by way of being listed as an open trade line on my credit profile. I consider this to be fraudulent in nature and may even have a negative effect upon my borrowing power since they continue to report the account as a potential liability. 

Caveat Emptor!!
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

My wife received a check from her father for {$750.00} signed it to me and check put in my account. My bank refused the XXXX  check unknown reason. Fine no problem. Bank closes account without warning.

At this point I just need the money from the account back to me.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Interest rate not accurately calculated over last 10 years. Paying extra on card is not showing reduction in interest based on daily average calculation. 
I have asked for audit of my account to correct interest rate charges. System company uses to reflect no minimum after paying more is poor consumer support. It gives false ideal that your ahead but just change more interest. 
My interest rate does not show change of daily average. It only shows current balance which is not correct. 
Im asking for a complete review of my interest rate charges on my Usaa credit cards.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

This complaint is for the company XXXX XXXX XXXX Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Consumer complaint received 2024-12-06
Product: Credit 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: CITIBANK, N.A. (GA)

CITI decreased my credit limit from {$10000.00} to {$4800.00} after I paid off one of my credit cards with another credit card company. I was unaware of a {$16.00} interest charge with the other credit card company ; the other card company did not contact me by phone or mail about it. Consequently, my account went 30 days past due. I only found out about this when I received a credit alert stating that I had a past-due account. My credit score dropped from XXXX to XXXX, a significant blow. This complaint is because I have been a loyal customer and have NEVER been late with the payment history CITI. I have always made timely payments, and I believe my credit limit should not have been decreased. I don't understand why CITI, without knowing all the facts, decreased my credit line, so I'm requesting that they increase my credit back to the same limit of {$10000.00}. I worked hard for my credit line to get to where I was, and this is not right!!
Consumer complaint received 2023-02-13
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. (GA)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS. 

PLEASE SEE ATTACHED DOCUMENTATION TO MEET DEMANDS IN A TIMELY FASHION.