davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2022 I received a letter from Comenity Bank regarding my Arhaus Credit card stating they lowered my credit limit from XXXX to XXXX. The explanation they provided me with is they reviewed my credit through XXXX and due to my score being significantly lower which on their letter stated my credit score is currently XXXX which is incorrect! I called the company to try and resolve this issue and got no where. Was told to contact XXXX which I did and got a copy of my recent credit report. I just received my report that states my credit score is XXXX and I have no late pays or over the limit issues with Arhaus and No Late pays on any of my other cards! I am also aware lower someones credit limit can also hurt their credit significantly! I have never had a credit card company Lower my limit ever and Im appalled Arhaus did this to me which Is totally unfair and based off incorrect information!! I want my limit raised back to the original amount! If not, I plan to get legal representation but want to try and resolve this before taking it to that level.
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NC)

Upon the expiration of my lease I applied for a car loan from Honda Finance. There were special financing offers including a .9 % which I desired. The agreed purchase price was {$16000.00} which is the requested financing. I had made thirty six timely payments on my lease with Honda but was turned down for financing. I received a letter stating the reason as " AHFC must verify information '' I believe the abbreviation is American Honda Finance Corp. I believe I was denied a loan because I am XXXX.
Consumer complaint received 2016-03-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CT)

Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.
Consumer complaint received 2022-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Identity Theft. 
Applying for credit card or accounts, Im in aware of. 
Actions that were taken was not me. 
Hard Inquiries from numerous amount of banks. 
My credit score tremendously has went down. It needs to be disputed please. 
-Capital One Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX. ( IDENTITY THEFT ) please fix!!
Consumer complaint received 2022-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (FL)

At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

I provided Navy Federal Credit Union with my orders as well as other information were I had no access of making these purchases with my credit card. $ 17,000+ in consistent Instacoins were made where no security measures were made. Ive tried reaching out to them, given so much evidence and no response to the matter. It is very inconvenient, and that is an understatement. I have consulted with my lawyer in the next steps but the now is the problem. Im continuing to make the payments on time but I would hate to make {$17000.00} in payments for purchases I had no part of. 

I can say I will not be getting another card from Navy Federal for sure. This has been an ongoing issue since XXXX.
Consumer complaint received 2021-12-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XXXX has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know rgey took over account i brought it up ro date when they called me i payed 60 60 90 90 120 brought all up to date once i found out thanks
Consumer complaint received 2022-02-04
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: Porania, LLC (NY)

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy Court XXXX XXXXXXXX XXXX XXXX  stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. 

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. 
citizens and legal alien residents. 

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do no match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. 

My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Around XX/XX/XXXX I notice my credit dropped. XXXX XXXX XXXX XXXX a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an Equifax dispute. The only they did was update the account numbers. The payment of XXXX dollars was not mine. This account has been closed since XX/XX/XXXX.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX Filed Date XX/XX/2012 XXXX )
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

BOA are the frauds, theives. I have no idea why they placed a negative report on XXXX. If there was any suspected fraudulent activity whywas n't I notified?? Especially when they reported me XXXX XXXX & I had the acct till XXXX XXXX. They are the frauds. For several years they changed the order of my debits, POS transactions, etc. At least every month my acct would be in the negative. Sometimes as much as {$400.00}. I always kept very good banking records. Everyday I would deduct all my transactions exactly in the order they were done. When reviewing my negative balance and banking transactions over the phone. They always completely changed the order the transactions were done so the largest ones went thru first instead of the correct order which I deducted. When I would go to the bank to try to resolve my acct & fight for the fees back they always had my transactions go thru in their favor. I was a single mom with a child a house and XXXX jobs. They took XXXX off me. Approx that same year I along with thousands of others were involved in a class action lawsuit with BOA. Eventually I received a small compensation from it, but it was a drop in the buck compared to what they took from me. Please help me with this and maybe see if you cab have those theives remove me. Ty, XXXX
Consumer complaint received 2016-06-22
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc (TX)

On yesterday, XXXX XXXX, I spoke to a supposedly representative of Ad Astra recovery services to address the debt reported on my credit report. I was asked to share my social security number which I did n't feel comfortable sharing. I asked for more information about the collection agency, which the person by the name of XXXX shared the location but she would not give me her last name. I made the mistake of sharing my social security number because the agency sounded legitimate and it still may be but I felt very uneasy after sharing that information. I told her that I will not make payment arrangements until I receive something in writing to verify the debt which she said they are able to do. She stated that I will receive a letter in the mail within 7-10days. I believe the debt may be valid but I 'm not sure about the agency or the person I spoke too. My main concern is that they now have my social security number.
Consumer complaint received 2021-12-25
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. (NY)

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 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DataMax Corporation (IL)

According to ALL of my credit reports, this account was PAID, and is now CLOSED. I have already spoken to one of their collectors regarding this debt. She informed me that she would request removal from ALL of my reports!!!!!! Also, this account was opened without my permission, I informed her of that as well. So, WHY IS IT STILL ON MY XXXX REPORT?!!!!! I check those DAILY for ANY XXXX ID THEFT/FRAUD, and there should be NO DEBTS on there at all!!!!!!!! I have been a victim since I was XXXX years old, I am NOT doing well healthwise, I am ONLY XXXX years old, however XXXX DO NOT care how old you are!!!!!! And I REALLY am sick of ALL of these debt collectors in general LYING to you ( CFPB ), about accounts being valid when NO, THEY 'RE NOT!!!!!!! Also, I CAN BARELY SIGN MY XXXX NAME OR ANYTHING ELSE DUE TO CARPEL TUNNEL OR FILL OUT ANY XXXX FRAUD AFIDAVIT!!!!!! THIS STUFF NEEDS TO STOP, BECAUSE I DO NOT HAVE TO PROVE A XXXX THING TO ANY OF THESE COMPANIES WHATSOEVER!!!!!!! I HAVE ALOT OF THINGS GOING ON AND DO NOT NEED ANYMORE PROBLEMS!!!!!! I DO NOT KNOW HOW MANY MORE XXXX TIMES I HAVE TO SAY IT, THE POLICE DO NOT ASSIST IN ID THEFT MATTERS AT ALL UNLESS YOU 'RE FAMOUS AND ARE JUST SITTING ON MONEY OR THEY LIKE YOU AS A FAN!!!!!! I AM NOT THE ONLY PERSON THAT THEY REFUSED TO TAKE A REPORT FROM!!!!!!!! AND I DO NOT WAN NA HEAR A THING ELSE REGARDING THAT!!!!!!!! THE AMOUNT OF THE DEBT WAS {$96.00}. THANK YOU!
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX of 2015 I requested my Experian credit file frozen. 
I was told I would get a PIN # in the mail, but it never came. 
I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. 
I have tried repeatedly to call Experian, but I can not speak to a real person for help. Please contact me by phone/text, email or mail.
Consumer complaint received 2022-02-04
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: SYNCHRONY FINANCIAL (CA)

Identity Theft. 
Applying for credit card or accounts, Im in aware of. 
Actions that were taken was not me. 
Hard Inquiries from numerous amount of banks. 
My credit score tremendously has went down. It needs to be disputed please. 
-XXXX XXXX XXXX XXXXSYNCBXXXXXXXX XXXX XXXXSynchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSynchrony Financial -XXXX XXXX. ( IDENTITY THEFT ) please fix!!
Consumer complaint received 2021-12-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX XXXX XXXX )
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

Experian refused to communicate with me via email ( please see attached ). I think this is a deliberate attempt by Experian to shield itself from valid inquiries and questions ; to limit my access to information ; and to force phone calls to persons who are undertrained and/or morons and/or having me waiting " on hold '' for extended periods of time. There is no valid basis not to communicate by email, and in fact it has the favorable effect of having a written trail of what is communicated.
Consumer complaint received 2021-12-24
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 have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!
Consumer complaint received 2022-02-04
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. (NC)

I received an offer from XXXX offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( Transunion ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to Transunion without my consent. I was alerted the next day that there was a hard pull on my Transunion report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my Transunion report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX XXXX  exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept. I've reached out to Transunion multiple times about reporting this inaccurate account and tried to dispute but they say I need to reach out to XXXX XXXX. XXXX XXXX states they will not change anything on my report.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC ()

Date : XX/XX/2021 Amount : XXXX USD The company ( Ria Financial XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY They sent this money to my name in XXXX on XX/XX/2021, but the money was not yet deposited to my bank or personally to my address.