davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (GA)

I opened my credit card account in XX/XX/XXXX with XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX. The current promotion at that time was sign up for a credit and receive XXXX XXXX miles to use at a later date. When I received my welcoming information regarding this credit card additional details stated that there was an annual {$69.00} fee as well as an introductory APR of 0 % for one year. I was not interested in the annual fee and called customer service on XX/XX/XXXX with Rep XXXX ID XXXX to see what options I had. Per the representative XXXX, I could downgrade to a no annual fee card and still receive the promotional offers from the card I applied for. The only change was that I will not accrue miles at the same rate. I arrived home today to find a statement. Because I bank online I rarely ever open my statements. This time I was curious and opened the statement. I first realized that I was being charged APR which is not what I signed up for. So I called customer service and spoke with Rep XXXX who explained to me that the 0 % APR introductory offer was only for balances transferred to this account for 15 months. I was beyond appalled with this new information that I further asked about the XXXX miles with XXXX XXXX. I was now updated again, against what I signed up for, that my miles were taken from me when the account was changed to a non-annual fee card. I have filed a complaint with customer service under Case XXXX with manager XXXX Rep ID XXXX. I will continue to follow the updates of this case. I will be paying this card off and no longer using it because of misrepresentation of the promotional offers. Please look further into this concern.
Consumer complaint received 2017-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (AZ)

I have been paying my debt with XXXX XXXX XXXX XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call XXXX XXXX XXXX XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.
Consumer complaint received 2017-10-17
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. (FL)

I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had back XXXX in 2015 and could not work, received temporary XXXX, a small percentage of my income. I used two credit cards to survive and always made my payments on time. I am back to work and paid off the two amounts on time, same day to pay was the XXXX of the month. XXXX XXXX was excellent, no issues. Capital One received my balance in full as they advertised on the XXXX and by today the XXXX created a XXXX charge, pure interest. This is unfair since I paid what I was told would bring my balance to zero before time, their app literally showed XXXX balance for a week. Capital one employees did not know how to justify their ghost charge, cycles no where else mentioned and will not remove them, thou they were directly asked to remove them.I believe They must clearly state at the pay off page online that balance may be incomplete in order for their action to comply with Fair trading ... I refuse to pay for a charge Capital One adds at will after they received my balance in full. I feel scammed now that I may end up with a bad reference in my credit.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

the Experian credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX and XXXX XXXX breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2020-11-14
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I had to two accounts with American Express, cancelled one on XX/XX/XXXX and the second on XXXX/XXXX/XXXX. The first was cancelled - no issues. The account closed on XX/XX/XXXX has still not be been closed even though I called them on XXXX. I even mailed a letter complaining about the reason I closed the accounts, to no avail, and yet, the second account still remains open! I do have a problem with a company that ca n't process payment 8 days from the time I mail the check, and manage the to cash the check on the 9th day so that they charge an extortion rate interest charges.
Consumer complaint received 2017-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the  rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation (GA)

XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... 

This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems, L.P did not contact me or provide a notice to dispute the debt from XXXX XXXX  for less than {$40.00}. Instead they put it on my credit report as not paid. I saw this on my credit report and immediately called them to pay. I never received a bill from XXXX  or southwest. I asked southwest to remove it from my credit report after I found out about the debt and subsequently paid it, and they refused to remove it. Then southwest sent me the 1st communication to pay the debt via email two days after I paid it! I told them I would file this complaint and Im happy to provide as much supporting evidence as possible. How they handled this was not right. They never provided me a bill nor an opportunity to dispute the debt. I believe this debt collection agency is violating the FCRA and their practices should be scrutinized. Thanks.
Consumer complaint received 2018-01-18
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: BARCLAYS BANK DELAWARE (NY)

XXXX Card had sent XXXX Inquiries for the following dates that were not authorized by me -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have spoken to them countless times and they agree they would send to Transunion but have never done so to my knowledge.
Consumer complaint received 2020-12-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

All 3 credit bureaus XXXX, XXXX, and Experian will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NM)

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my WXXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Please do not mark this as a Dino are because its not. First my credit union refuses to give back but a small portion of funds stolen. Then Im out of town snd I find out they took my debit card from me because of fraud. Fraud wasnt my fault. I do have just an atm card. Upon getting home I go thru my history and find that my daughters soon to be x husband stole my card and used it. While I was with my ill daughter her husband had cameras set up snd I know thats how he got pin. When you log into their system it asks for a pin. My daughters soon to be x hasnt. Even able to be evicted cause of COVID. This man also stole my clothes snd all my belongings I arrived with. He stole his uncle clean car many times along with his valuables. The police were notified. But my credit union wont help me. They arent giving my money back to me and I dont know why. I am the victim and who are they to say anything but I believe you. I told them to pull camera footage and they will see but they would rather ruin my life. The XXXX they refuse to give back from last hack was for a house which is now gone snd this money was for XXXX which is ruined and I have no money to buy my kids gifts or food for dinner. I get that my luck is back snd thats exactly why he did it. His uncle caught him breaking into my daughters room as we slept one night so I know he broke into mine while I slept snd took my card. I told them to feel free and call the uncle! This XXXX memory I will never get back snd I have changed banks as of yesterday but I will not stop fighting for what was mine and stolen from me. They had no right to tell me Im a liability. That is prejudice snd discriminative towards a victim! I am seekin ball monies that were stolen. Bit for this claim the XXXX! I will find a way to fight for the XXXX they refuse to give back! I also want banks to be responsible with their advertising. They cant say our money is safe then when its hacked they blame us and refuse to give back! Thats not being safe thats just wrong!
Consumer complaint received 2017-10-16
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)

On XXXX XXXX XXXX, a " hard '' credit inquiry was made by XXXX to Transunion. This inquiry was made and went through even though my credit was frozen at Transunion. I have tried to find out how this hard inquiry was allowed to go through when a freeze was in place. 

Note : This freeze has been in place since XXXX when I found out I was a victim of identify theft. The freeze is in effect with all 3 credit agencies ( Transunion, XXXX, and XXXX ). I have lifted the freeze on specific times ( to buy house, car, etc ) but immediately froze the credit again. Transunion has confirmed that my credit is frozen. 

As a result of this hard inquiry, an account was opened in my name with XXXX ( of which I am not and have never been a customer ). 

I want to know why Transunion allowed this inquiry to be made - as a result of it my identity has been used fraudulently and made me a victim of identify theft despite actions taken with Transunion to prevent such actions.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to Equifax so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with XXXX XXXX XXXX and they keep reporting false information.
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (FL)

My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.
Consumer complaint received 2020-12-24
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: Colony Brands, Inc. (LA)

An account for XXXX XXXX is on my credit report. I did not open this and it is affecting my credit score. I have contacted the company and they have stopped it on their end but advised that I contact you. Someone is using an old name of mine, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX Tx. There are renters in that house and they are most probably using old advertising with my name on it that was in the mail box. I have long since changed my address.. I don't know who these people are. Please help me to repair my ruined credit score which by the way dropped XXXX points in a month.
Consumer complaint received 2020-12-26
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. (IL)

I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.