davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I recently noticed the following collection accounts on my XXXX consumers credit report : XXXX. XXXX XXXX XXXX- {$730.00} XXXX. XXXX XXXX XXXX. - {$1500.00} Prior to these accounts being listed on my consumer report and to date, I never received DOCUMENTARY EVIDENCE that the debt owed is accurate from the creditor nor credit reporting bureaus. Valid documentary evidence must be as listed under the 15 US Code 44 Documentary evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. 

If this proof is not provided, the accounts can not be listed on my credit file as accurate and I can legally sue for incurred damages. Please note that copies of statements are not accurate proof of such.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (CA)

On XX/XX/2023, a scammer posed as me and sent a wire transfer from my Discover checking account in to their XXXX bank account. I received a call from someone claiming to be from Discover bank. In fact, the phone number that appeared was Discover 's phone number. ( a known number/device ). There was some sort of XXXX card swap/takeover of my phone. I could not make or receive calls from my cell phone because everything was being taken over by this male scammer. 

We reported that our account had been drained by this person 10 minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer told us this is becoming more common with the cell phone takeover. Interesting enough, Discover told us that there was an unsuccessful wire transfer 2 days prior to this but there was not enough money to cover it. If we would have been notified, this could have been avoided. 


After several attempts to work with Discover and their XXXX XXXX, we received a call from a supervisor that since the Wire Transfer request came from a " known device/phone number '', they did not break protocol and will NOT be returning our {$12000.00}. We reported that our account had been drained by this person XXXX minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer that came to our home, told us this is becoming more common with the cell phone takeover. This has left us in terrible financial ruin and 3 months behind on rent.
Consumer complaint received 2023-05-09
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)

I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.
Consumer complaint received 2020-06-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

i FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-14
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: Experian Information Solutions Inc. (AL)

i sent a letter to this company about multiple unverifiable and inaccurate information on my credit report over 60 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Consumer complaint received 2020-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

i FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-13
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: Block, Inc. (LA)

I sent a person XXXX $ to go as a down payment on a XXXX XXXX XXXX they accepted the payment of cash app n XXXX, said they were on the way but never showed XXXX $ gone down the drain. I need my money bck was saving for a car.
Consumer complaint received 2019-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2019, Midland Credit Management called me at XXXX PM, they did not leave me a message as I pressed ignore. I received a second phone call XXXX minutes later at XXXX PM on XX/XX/2019, I pressed ignore and again they did not leave me a message. They have been calling me repeatedly for days on end every time not leaving me a message. I do not know why they are calling. I searched for the phone number they are calling from XXXX and that is how I have gotten their name. I do not have any business with them. The amount of times they are calling is bordering on harassment.
Consumer complaint received 2020-06-15
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 (IL)

I made contact with Synchrony Bank in Early XXXX about a recent credit limit REDUCTION on my PayPal Credit Mastercard as well as my PayPal Credit Account. This comes after the Coronavirus COVID-19 outbreak occurred. I have multiple other credit accounts with other banks ( 2 with XXXX, 2 with XXXX XXXX XXXX, 1 XXXX XXXX, 2 with XXXX   XXXX, etc. ), and NONE of them have lowered my credit limits during the Coronavirus COVID-19 outbreak. 

I've actually made some headway and paid off some cards earning some extra money. So, to my surprise this was happening after reports had come out in the media that some banks, including Synchrony are lowering people 's credit limits with the shutdown continuing. I am still full-time employed as I am deemed essential personnel working in the telecommunications industry. 

So when I received notification from running my credit report that this had happened, I reached out to Synchrony Bank about this. Their response was " we run every customer 's credit every month and make decisions about credit limits ''. I said, nothing has changed in mine, I pull mine every month myself to keep my eyes on it after having an identity theft situation a few years ago with the IRS. 

I told them I wanted to file a challenge/complaint to it. They took my information and said they'd get back to me, but the associate on the phone with Synchrony ( after being hung up on once for not accepting what they were telling me when I was asking for a supervisor ), said " We can do whatever we want ''. 

I received a letter saying that their decision stands. My credit limit was cut as follows : PayPal Mastercard : {$1000.00} ( card  was free and clear ) down to {$100.00}, and {$950.00} PayPal Credit down to {$590.00} ( which was close to what I had on it, making the card maxed out ). 

This negatively impacted my credit score showing that I had the reduction in addition to the cards about maxed out with these limits significantly reduced. 

I have never had a credit reduction in my life. This is the first. And this was not done until we were 1.5 months into the Coroavirus COVID-19 quarantines. Even after I explained the situation and my situation and told Synchrony Bank that they are using the Coronavirus COVID-19 outbreak as an excuse to do this since this has never been done before and I have had these lines of credit for multiple years, the lines were reduced. 

They need to restore the credit I had before and not abuse their power to consumers during a pandemic situation to save themselves.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k. 
They failed and defaulted on my initial affidavit, this is an opportunity to cure their default.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Consumer complaint received 2020-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Consumer complaint received 2020-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (GA)

I attempted to initiate an in-store transfer in the amount of {$700.00} and i was told that it wuld cost {$61.00}. I declined and went on the western union app which would only charge me {$16.00} to send the same amount. The online transfer was canceled by western union with the reason of a business decision and referred me back into the store to initiate the transfer. These practices appear to fall under the UDAAP regulation as it unfairly targets low income and XXXX  who may not have access to the internet. To quadruple the cost of the same transfer is definitely an abusive act. When I asked them to provide a promo code so that I would a pay a similar price in store I was offered a 50 % discount which still would leave me paying double the online price. Their payment options need to be reviewed so that certain communities are not adversely impacted.
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

About a year ago I tried to get service with XXXX XXXX internet. When they came out and installed the service, I have to pay an {$200.00} install fee and get a box installed outside for their network card XXXX {$320.00} ). The internet did not work in my house, they sent out technicians on 2 seperate occassions trying to get the service to work but it didn't. I called to make sure they disconnected the service as I could not use it. I didn't receive my install fee back and now I have a box installed on the side of my house that I lost money on also. Everything was supposed to been taken care of with no worries. Then last week I get a collection for {$460.00} put on my credit report damaging my credit and also putting me at risk of losing my purchase of a house in the upcoming month. I do not owe them anything, i've called them on several occassions before this got on my credit report and was assured it would be taken care of. I talked to someone XX/XX/2020 saying that now they would take it off my credit report withing 3 business days and were we are 10 business days later. Companies are good at messing up but not correcting their mistakes ... and definitely not in a timely manner. I'm looking to get this fixed by any means necessary. If I lose out on my home purchase due to this collection that I shouldn't have on my report. I am getting a lawyer and suing for defamation of character. I am so tired of companies doing what they want to the consumer.
Consumer complaint received 2020-06-13
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$430.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX XXXX I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CO)

I submitted complaint - XXXX and it was resolved last XXXX. The company erroneously flagged my mortgage with bankruptcy. They have since resolved and apologized however they still list a fee related to bankruptcy on my account. I have asked repeatedly that it be removed and the customer service reps say a 'VP ' will call me to resolve. No one ever calls me back. The fee is a Recoverable Corporate advance balance of {$350.00}. The customer service rep said this was a bankruptcy fee. We have never filed for bankruptcy and have all paid on time. This needs to be removed from our account and I wish to have written notification that this was taken care of.
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The balance on my home mortgage decreased significantly. My Transunion credit score decreased by XXXX points on XX/XX/2020. There were no negative credit reports since the prior reported credit score on XX/XX/2020.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (IL)

BB & T closed my account and told me on XX/XX/2020 that a check was timestamped and sent out to me at my address on file. 
They told me to wait 7-10 business days and it never arrived. I called them to ask them 3 times to trace the check and instead of tracing it, like most banks would, they told me they would call me back 3 times. The check never arrived.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have brought account up to date but credit acceptance is still reporting account is past due. I have reached out to them but still nothing has been done to correct. 





XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI Account # XXXX
Consumer complaint received 2020-06-13
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. (AL)

Every year I have to dispute personal information with transunion and this concerns me especially when I provide identification to validate errors. They have added these names to my report : XXXX XXXX XXXX and XXXX XXXX. I have never had these names. I provided my social security card and drivers license to validate this three years ago but every year I'm disputing new names. Also, how are they applying new names to my file when I don't apply for credit unless I remove the freeze temporarily? Why am I fighting this error every year with wrong names displaying?
Consumer complaint received 2020-06-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Company : Portfolio recovery associates LLC Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Trans Union, XXXX  and XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just realized that there are two accounts on my credit report that I never opened. The accounts are from XXXX & XXXX XXXX XXXX. The only reason why I was even looking at my credit report is because I applied for an apartment and I saw these accounts in the negative accounts section. I don't know who these accounts belong to or why they're appearing on my credit but I did not benefit anything from them such as money or goods and I never made any payments towards these accounts. I have never opened any account with either of those companies and I am not affiliated with them in any way. I have also filed a police report in hopes of getting this resolved by the time I have to move. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-06-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative and derogatory reporting by PORTFOLIO RECOV ASSOC, XXXX XXXX XXXX, XXXX, VAXXXX, ( XXXX ) XXXX. I contacted the company in writing to ask about information about this account and how this debt came to be as I have no knowledge of it. I also have not done any business with this company. The company responded by sending me an invoice for the bill, requesting payment. I attempted to contact them several other times in order to get information however, their response would always be the same. They would send me an invoice demanding payment and nothing else. 

In the meantime, the company has continued derogatory reporting to XXXX, XXXX  and XXXX  - which has in turned ruined my credit score. At this point, I am seeking intervention to stop this company from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/year> I called chase bank where I had a checking account to get information of what I needed to deposit my XXXX  fianc XXXX death benefit from his mother. The agent told me I needed his signature my signature and 3 forms of identification. I did that. I deposited the check they gave me money from the check. Chase then restricted my account closed it then told me I needed a POA. I got that now theyre telling me they are going to hold on to the check until he gets released XX/XX/year>.