davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-13
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX account managed by Synchronic Bank lowered my credit limit from {$700.00} to {$160.00} based on false information and/or someone's very personal decision. Terms and Conditions states that Credit Card account may choose to make annual revision of account to increase limit or provide offers. Terms and Condition don't give mentions of lowering credit limit only because my credit report changes. Usually a big fan of XXXX Credit Card. But you guys really made a mess. Really frustrated. But hoping you can help. Ready to stay to a loyal customer but only if you make it right! Dont want to close my account after all these years. 
My credit report changed for around a month and 3 weeks due to an error made by a company which sent me to collection. This collection has now been deleted from my credit report 7 days ago, and actually my credit score were XXXX until you decided to lower my limit and it went down 22 point due to this action taken by one of your representative. 

I don't believe the system messed up 7 days after my credit score went up and my collection was deleted from my credit file. I'm now taking actions and I'm asking you to re evaluate this action and give me back my original credit limit. 

Please be advice, this isn't the only way I'll be discussion this matter, I'll be sending a goodwill certified letter, I'll be using my State Attorney and the FTC so you can impinge the Terms and Conditions correctly and make it right for the customers.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was informed by Trans Union of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. 
Several accounts that was not open by me. Are on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with Peoples Credit informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau of also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (PA)

D & A Services , LLC has been contacting me about a debt I owe. There is a huge issue with their tactics, they are calling my wife 's cell phone number and not my own. She has never given them permission to call her phone in any way shape or form for this debt and I feel they are in violation of the TCPA Act. Also, when 1st called about the debt they contacted her and became predatory about collecting the debt by making her call me while I was at work to ok a auto debit from my account each month which does not sound right in any way shape or form. As a result of this I will stop all communication and also will be notifying my bank to not allow them to pull anymore money out.
Consumer complaint received 2018-11-09
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. (MS)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

CAPITAL ONE AUTO FIN XXXX X XX/XX/2013 {$21000.00}
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Collection Services, Inc. (OK, TX) (TX)

XXXX {$280.00} American Collection Services Inc ( XXXX ) called me on my mobile phone. Person ( XXXX XXXX ) stated they were calling to collect a debt which occurred on XX/XX/XXXX. I stated that I had no knowledge of this debt and had not received a bill. I also stated that since this was at a hospital I didnt know and was in another state that I wasnt sure of anything. The woman, XXXX stayed that she was calling to collect it now before it ruined my credit. I kept telling her this wasnt right and she kept talking to me like I had no other choice. I wanted to check with my insurance company and find out what it was but she told me if I didnt pay today it would post to all three credit bureaus. She also stated that she had had the debt on her desk since XX/XX/XXXX and that the address she had for it was incorrect. I told her I always kept my addresses current and she even told me what my current address was, my SSN, and she had called me which means shed had my contact information but had not sent me any statement or notification in the mail. Ive always left forwarding addresses and have been at my current address for almost 3 years. When I balked at paying she said that it would just have to be posted to my credit report and it would negatively impact my credit if I waited to contact my insurance company. Im recovering from a nasty divorce and an arson fire which destroyed my home in XXXX. Ive worked hard to rebuild my credit and my life and she swoops in and threatens that life. She also admitted that this hospital in XXXX did not keep good records and probably might not be accurate. But still she pushed me to make a payment. I was not afforded the opportunity to verify the debt and it didnt sound like this agency verified it either. 
I want this made right. I want my payment returned to me until proof of the debt is made and I want this company to be fined for not following the requirements of the law. I did not receive notice and they threatened me with negative reports on my credit. 
I appreciate any help you can give.
Consumer complaint received 2018-11-08
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: TRANSWORLD SYSTEMS INC (AZ)

On XX/XX/2018 a 3rd party account called transworld was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (GA)

I have a identity theft report on file with Equifax, I followed the procedures for reporting fraudulent accounts on my credit report and Equifax refuses to comply with the FCRA law regarding to the reporting of ID theft by a consumer. I was not given notification that my report was received and being investigated AFTER the original 4 days that Equifax has to block information from my credit report. I was not given a clear reason as to why Equifax refuses to remove, block or delete these items, I am consistently told that its proprietary information and I am not privy to the information. These items are not mine and Equifax 's refusal to remove these from my credit report is hurting me financially, and is causing me to suffer by not being able to obtain credit that i rightfully deserve.
Consumer complaint received 2018-11-08
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. (GA)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian and XXXX   were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2018-11-09
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc. (CA)

I have 2 car leases with GM Financial, earlier this year I had set up automatic payments for these accounts, I accidentally made both payments at {$1100.00}, one of the payments was supposed to be {$1100.00}. I was short {$74.00} every month for 5 months. GM Financial kept that shortage on my account and in turn I have 6 30 day lates on my credit. I did not receive a phone call letting me know I would be getting these late notices reported to the credit bureaus. Year to date if I would have made all payments I would have paid {$12000.00}, I have actually paid {$13000.00}. I understand I may have been late 1-2 of those payments but again I was never notified and I have made payments ever month. I called twice to ask to have some or all of these late dings removed from my credit and they said they are not wrong and it is too bad. I asked to speak to a manager and they would not transfer me or let me speak to anyone, the gentleman XXXX XXXX because he would not give me his last name, said his manager was busy and would not talk to me. I have been a GM car owner for 10 plus years and currently have 2 accounts with them and I just do not believe I was treated fairly.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC. (FL)

XXXX XXXX XXXX Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2018-11-08
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. (NY)

I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXXXXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I Submitted a dispute onXX/XX/18and TransUnion receive it on XX/XX/18for inaccurate information with XXXX XXXX XXXX. I asked transunion supervisor XXXX XXXX over the phone @ XXXX on XX/XX/2018 about information Regarding of the investigation and he fails to provide me any information because he amidit that the account was not properly investigated as requested, I told him that the error on my account are still there and that it pass over 30 days and they didnt remove it and deleted it from my TransUnion
Consumer complaint received 2019-09-01
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: AMERICAN EXPRESS COMPANY (NC)

XX/XX/XXXX American Express raised my credit limit over 100 % and offered me a 0 % promotional rate on this new credit limit. They sent me a XX/XX/XXXX decision letter reducing this limit even though I paid all minimum payments. They re-instated my highest credit limit after they extorted a {$3800.00} payment from me. I thought I successfully uploaded my response letter to them on XX/XX/XXXX but I also mailed my response letter on XX/XX/XXXX. They said they would respond XX/XX/XXXX but haven't. I am uploading both these said letters to you. Restoration of my credit limit after extorting me is not a sufficient remedy.
Consumer complaint received 2018-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/XXXX, a student loan for my daughter for which I was a co-signer was on the verge of going into default. This situation was because my daughter was a single parent, under-employed, and underpaid, and receiving no child support. Add this to the fact that our family was affected by the XX/XX/XXXX financial crisis during which time we lost our family home to foreclosure and defacto bankruptcy, we desperately tried to reason with Wells Fargo ( as we did with other creditors ) to offer what we could pay as good faith gestures. They would not accept anything less than what they wanted. During this time, I was primarily responsible for my daughter and granddaughter financially since my daughter 's income was insufficient. This meant that each month, apart from what little bit my daughter could afford, what was deposited in my Wells Fargo bank account was just enough to pay the rent, pay the bills, and put food on the table. During that month, Wells Fargo proceeded to garnish my wages directly out of my accounts without getting a judgment against me and without informing me or considering the consequences for my family since I was the head of household for a family that included a then XXXX-year-old. I called, and after an hour crying and begging on the phone, I was able to get someone to give me some of the money back, but they kept the rest as payment on a student loan. From there, they demanded that I come up with a plan to pay them because if I didn't, they said that the would continue garnishments. As a result, I had to get rid of all of the possessions from my home that I had lost so that I could find a way to pay them {$200.00} a month. Since then, they've made a note on my credit report saying that an arrangement was made, when in truth, it was not an agreement but a garnishment with no opportunity to explain the situation before a judge. To add insult to injury, after paying them {$200.00} a month since XX/XX/XXXX without any payments ever being late, they've refused to remove the derogatory marks from both my credit report and my daughter 's.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (MD)

I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know
Consumer complaint received 2018-11-08
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. (TX)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts 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 and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (AL)

I have disputed the Online Information Service Company asking for VALIDATION not verification. I've followed up with this collection agency with 3 verification letters on XX/XX/18, XX/XX/18, XX/XX/18. THEY HAVE YET SENT ME THE ORIGINAL INSTRUMENTS OF INDEBTEDNESS IN ITS ORIGINAL FORM, instead they keep sending me a bill and keep overlooking are ignoring my request to confirm it. I have also sent three rounds of letters to dispute the account information at as inaccurate with all three disputes the credit bureaus kept stating that the collection has been verified and is accurate this debt. How is that possible? Under the law of the FDCPA, I have contacted the collection agent and the orignal clients myself and has been unable to get them to verify that this is indeed my debt or yet has since sent me the original instruments of indebtedness in its original form. I've also demand the credit bureau to investigate properly rather than using XXXX 's system. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau are required by federal law to verify through the physical verification of the orignal signed consumer contract- any and all accounts posted on a credit report.
Consumer complaint received 2018-11-07
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: AMERICAN EXPRESS COMPANY (NJ)

This is related to my previous complain. It was researched but not detailed. I didnt agree with the companys response as it does not cover everything. Please refer to CFPB Ref No : XXXX especially the feedback. I can not reopen the old ticket so this would be a new ticket.
Consumer complaint received 2018-11-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I had filed for a Chapter XXXX Bankruptcy in XXXX. I completed my Case and it was Discharged in XX/XX/XXXX. At that time my Mortgage was still with XXXX XXXX. But something happened with my XXXX XXXX account and they started reporting to all the Credit Bureaus that my Mortgage was now one month late. Ever since then I am still being reported as one month late. XXXX then sold my Mortgage to Specialized Loan Servicing ( SLS ) at the end of XXXX. SLS has been sending me Late letters and calling my Home Phone number ever since. My Bankruptcy Attorney and myself have been asking XXXX XXXX and SLS to provide the exact Month and Year they claim I failed to make that one Mortgage payment so this can finally be resolved. I am tired of the harassment of letters and phone calls. And the Credit Bureaus showing me behind in my Mortgage!!