davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (TX)

I believe it was the beginning of XX/XX/2020, I answered a phone call from Credit Corps Solutions trying to get ahold of my husband about a debt that they had acquired. I told them I would have to talk to my husband before I did any business with them. We checked both of our credit reports and the debt they were claiming he owed was not on any of his 3 reports. 

So after ignoring their phone calls for a while, on XX/XX/2020, I answered one of their calls, verified that the call was being recorded, and told them that they are in violation of the fair debt collections practices act and they need to send us a validation of debt letter. Stop calling and any further communication needs to be done in writing. 

Since that phone call, almost two months ago, I am still receiving 1 to 3 phone calls every day ( Monday - Friday ). It's harassment. I'm tired of it. And the phone calls aren't even for me! That is MY cell phone number. They have my husband 's number ( not that I want them harassing him either ). I want them to STOP CALLING ME and just send us letters in the mail like I asked them to.
Consumer complaint received 2022-06-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My credit has been on the up and up for almost 2 years. Ive been rebuilding my credit doing a great job I have been paying down my auto loan to 80 % now in just three years for a five year loan. 
I owe nothing on my credit cards. I only use my XXXX card but I use it weekly and pay it off before its due every month. Ive never missed a payment in the last 2+ years but Experian has been messing with my credit score. I have proof they would drop me 15 points or raise me five points then drop me six then raise me again all within a month or two.

I believe theyre doing this to make people use Experian boost. I think what theyre doing is absolutely criminal blackmail. 
I believe theyre blackmailing consumers into buying into their boost program to raise the credit scores when they have no right to lower them. 
They dropped my credit score 20 points in one day for no reason!!!

They say they only monitor but that is not true they adjusted my score 20 points in one day downward when the other two agencies are increasing my credit score. 

Ive been trying to build my credit up because Im buying a house in XXXX or XX/XX/2021 and Experian thinks its a game that they can play with someones credit score to make them join Experian boost.

Every time they send an alert they say need help raising your score get Experian boost. Or they send an alert saying we just dropped your credit 20 points get boost to bring it up.

I believe its a scam!!! I believe what theyre doing is criminal blackmail using peoples credit scores as the bait!!! 

I want an investigation done please. 
This is absolutely wrong. I called them this morning and they would not give me a good reason of why my credit score went down 20 points in one day.

One operator said when I paid off a credit card ( that I didnt even know 10 % of my limit on and never missed a payment ) that lowers my score. I couldnt believe he said that when you pay off a credit card my score gets lowered that is absolutely a lie its ridiculous and how dare them tell people this they recorded my conversation I hope you guys can subpoena or tell them you want that recorded conversation because he did tell me that I said it was a gas card that I charged up XXXX in a month and quickly paid off before it was due how would that make my score go down he said it does I couldnt believe it. 

I would bet theyve done this to many other consumers and I would join a class action lawsuit against EXPERIAN to make them stop these criminal practices.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-17
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: ALLY FINANCIAL INC. (PA)

On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-12
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. (FL)

I HAVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-06-10
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. (CA)

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 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Experian XX/XX/XXXXXXXX XXXX, TX XXXX i I'm writing this letter to dispute certain information that is falsely listed on the my credit report referenced above. the inaccurate information that apperas on my credit repot
Consumer complaint received 2022-09-20
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: Exeter Finance, LLC. (MS)

I have tried to contact Exeter Finance, LLC on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

The company locked access to funds on the account because I submitted a change of address. After months of back and forth on how to resolve this problem, I was told to fax my information to them. On XX/XX/2020, I faxed over my information. About a month later with no progress, I was told that they had given me the wrong fax number. On XX/XX/2020, I faxed over the information again and followed all procedures. Today on XX/XX/XXXX, I was told that they cant find the fax and was told to fax it again. My account has been locked for several months and I just need access to unemployment funds. I kept getting told to wait and call back or that theres nothing they can do. I even spoke to a manager and she was the one who said to try again.
Consumer complaint received 2020-06-24
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. (MO)

I have disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax, and XXXX  are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, Equifax, and XXXX!
Consumer complaint received 2020-11-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

My HELOC with Discover Home Loans ( Loan # XXXX ) was on a deferment from XXXX - XX/XX/2020. I called servicer in XXXX to discuss repayment options. I was offered and verbally accepted a payment deferral ( letter attached ). I was to resume making my regular payment on XX/XX/XXXX, which i did ( made the payment the XXXX of XXXX XXXX. However, I was reported late on my credit reports and am being assessed late fees. This is causing undue hardship as I am attempting to get a car for my commute to work. I have called the lender multiple times to address this issue, each representative i speak to has acknowledged that they need to fix my account and have escalated to the appropriate parties. Each time I call, nothing has been done to remediate this and the request has been sitting there for multiple weeks
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2020 I mailed a letter to Transunion and XXXX  to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to transunion and XXXX  and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. XXXX  responded on XX/XX/2020 stating they weren't deleting the accounts. Transunion has yet to respond or provide me with an update.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Received an email on XX/XX/2022 that Bank of America Advantage Safebalance Banking account was created in my name. I have never applied for this account or authorized anyone to do this. I called them and they filed a claim and closed the account. I am waiting on the response from their investigation.
Consumer complaint received 2020-05-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

As of the morning of XXXX XXXX, 2020 I had the following crypto-currency in an account at Coinbase.org valued at this in U.S. dollars XXXX {$3700.00} ETH {$1200.00} EOS {$31.00} For a total of XXXX {$4900.00} I stored all my money in a " Vault '' on Coinbase.com. I tried to withdraw that money to put it back in a " XXXX '' at Coinbase.com. Each currency has a XXXX and a corresponding XXXX. This was all internal transfers within Coinbase. 

Coinbase uses 2 factor authentication, so to complete the transfer from the XXXX  to the XXXX. First I used XXXX XXXX to put in a code. Then Coinbase sends me emails to my primary and secondary emails. I have to click on a link in these emails to validate the transaction. After that I am supposed to wait 48 hours, and I will have my money in the respective XXXX. 

The problem is that the secondary email validation does not work, only the primary. Since the secondary email validation does not work, the transfer request is never validated properly and as a result the request is cancelled in 24 hours. This leaves my money in the XXXX, where I can not access it. I can not transfer it out to another financial institution. 

This has been a known issue for 3 years, but nowhere on their website does Coinbase warn users about this bug. In fact, there are instructions of how to use the Vaults, as if there is no issue. 

Please see evidence that people have talked about this online for 3 years : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX Why has coinbase not resolved this issue? 

I have two support request open with them, but have heard from no person. I have no idea if anyone is working on my request or when it will be handled. 

Case # XXXX and Case # XXXX I have also tried to call, there is no possible way to contact anyone directly. It is all automated.
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Pursuant to 15 USC 1692 ( a ) Portfolio Recovery Associates used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Portfolio Recovery Associates also violated 15 USC 1692j ( A ) because PORTFOLIO RECOVERY ASSOCIATES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Portfolio Recovery Associates sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Portfolio Recovery Associates can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Consumer complaint received 2020-11-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been disputing bank of america on my credit report for months now. Today I received a letter from bank of america stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. Bank of america is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.
Consumer complaint received 2021-03-05
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: LEXISNEXIS (FL)

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX XXXX XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Consumer complaint received 2021-04-27
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 (KS)

Credit card dispute with Capital One WalMart MC # XXXX Merchant : XXXX XXXX Amount : {$35.00} Date of billing : XX/XX/XXXX Reason : Merchant shipped a metal garden arbor arch in XXXX of XXXX TO my former house in XXXX XXXX, XXXX. Because XXXX does not pick up improperly delivered merchandise - my account was NEVER credited for the merchandise I Neither received NOR that XXXX ( with a ware house just 2 blocks away ) would retreive. 

In XXXX, another ( repalcement ) was shipped this time to my XXXX, XXXX  address. In XXXX, I was RE BILLED by the vendor. Because of this, I contacted the vendor and asked that I be able to return the metal garden arch & get my account re credited. This item was returned to the XXXX XXXX in XXXX, XXXX USPO tracking for this item return was : XXXX Note : On XX/XX/XXXX, I received an email from Capital 1 that mentioned they were reapplying the {$35.00} charge to my account. This was done, despite the fact the merchant never contacted me to advise me HOW I might return the item I was billed for and didn't want. This is against regs under the Federal Fair Credit laws. Capital One 's investigation techniques are anti consumer : they tend to FAVOR the merchant over the customer.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MA)

On XX/XX/2019 I applied for a loan. Once they have pulled my credit report they stated that there is a collection account from XXXX in the amount of {$630.00}. Which does not make any sense since I currently have XXXX. Contacted XXXX that day and they stated it is for an address that I do not live at. I submitted a dispute with them and I have also disputed this account with the credit bureaus. They did their investigation and because the account was then sold to a debt collection agency they have reported the account as accurate which is inaccurate.