davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My complaint is against  USAA Federal Savings  Bank as it specifically relates to my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card. This complaint is regarding an extreme reduction in my line of credit that increase my debt-to-credit ratio to over   XXXX   XXXX   after I had  immediately reduced my debt-to-credit ratio by making 4 payments.      On  XXXX   XXXX ,   XXXX   my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card reflected a Credit Limit amount of {$13000.00} and a balance owed of {$11000.00}. Over the span of  XXXX  days I made the listed payments totaling {$10000.00} -  XXXX  {$570.00} ; {$4800.00} ; {$5000.00} on  XXXX   XXXX ,   XXXX   and {$120.00} on  XXXX   XXXX    XXXX   ). Bringing the balance down to {$1300.00} and improving my debt-to-credit ratio to   XXXX   XXXX   of my credit limit. Note : ( I have over   XXXX   XXXX   history with  XXXX  and none of my accounts have been late or have had a negative review and this is reflected in my credit report from Transunion, Experian, and Equifax  XXXX .   Per my conversation with a USAA Bank representative on  XXXX   XXXX ,   XXXX  , I was told that on  XXXX   XXXX ,   XXXX   they reduced my line of credit to {$2500.00} and that they sent me a letter letting me know about this and this was due to some adverse information on my credit report. The request for reconsideration of their action and that the decision be reversed was declined. I informed USAA Bank that this action did not reward good behavior, that it in fact punished me because my debt-to-credit ratio increased to slightly over   XXXX   XXXX   and that this was just after I had made them a payment of {$10000.00}. I pulled my Annual  Free  Credit Report on  XXXX / XXXX /  XXXX   and after carefully reviewing my report I do not see anything on my credit that is negative to warrant such an impetuous action on their part. I questioned if this financial institution has a genuine and sincere interest in supporting the family members of a military veterans. I have faith in USAA Bank and I hope this is just a misunderstanding.     I am also reaching out to CFPB for support on this matter. I would like my {$13000.00} line of credit restored.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ALLY FINANCIAL INC. (TX)

I received unauthorized withdrawals from a lending company that was already paid off via a different account. Named XXXX. ( I do not want them involved in this dispute as I am dealing with them separately This is exclusively about ally bank ) They kept pulling the money out so I called my bank named ally bank and paid {$15.00} to stop all withdrawals from them. That was XX/XX/XXXX. The withdrawals stopped but now they were withdrawn again. When I called ally ( dispute # XXXX ) I was just told they'll look into it and I needed to submit information, when they had been the ones that charged me {$15.00} and said they would no longer let the company pull money out. This morning when I called in a panic I was told they'll put a dispute in and will close the account and they would credit me back by end of the call Now I'm told it will be 10+ business days and I have to submit proof first. I don't have proof for them putting a stop to it besides the {$15.00} I paid and proof that it didn't go through last time. No I don't have access to any money that I have left and I am out another {$500.00} and I will not be able to pay rent because ally being my bank and having been paid to put a stop to it, let it go through anyways and won't take responsibility to protect me, their customer.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-05-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC (TX)

I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of   XXXX   XXXX  . I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates  that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless  I  payer  % 50  of what I owed on the phone today. This is the first I ever heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would  imagine this can no t be legal.
Consumer complaint received 2023-06-22
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. (MI)

There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXXXXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (IN)

XX/XX/XXXX I applied and was approved for speedy cash XXXX loan with a women by the name of XXXX XXXX. I have emails and voice mails. I paid XXXX for the approval application and then XXXX for the taxs for the loan. The loan was promised and approved and said to be in my bank no later then the next morning and it wasn't after several phone calls and email XXXX was more then overly rude and aggravated to deal with me finally came up with XXXX XXXX unsecured put my loan on hold supposedly because in XXXX XXXX there was a pay day loan in XXXX taken out from them which is most definitely not true I've had a soft and hard credit report done and I know I never pulled a loan out till my brother passing and expenses getting behind in XX/XX/XXXX which was not through this place and name XXXX XXXX which I've never heard of or even after being approved paying money I had to borrow to get the loan inn first place I still have not received loan nor returned the money which was promised to be 60 days after it would be released. XXXX XXXX lied and was never a company set by its word nor have I been taken seriously I've sat on hold for an hour and 15 mins several times plus many different amounts of times just to be hung op on told they have no loan for me or even the place with the hold there's no actual talking to a person and I have yet to receive a call plus also been hung up on there's no loan account number nor any information besides made up stuff so I've paid money for a loan and never received the loan nor my money back ans can't seem to get any answers or feedback or money back. I have emails voicemails and all the info I wrote down as being told. So they say I pay XXXX to XXXX XXXX unsecured loans and I'll get my speedy cash loan after already paying XXXX and XXXX and no answers no loan and all but the truth and taken advantage of.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I contacted Equifax because my score suddenly dropped XXXX points and I asked them and they told me that they can not give me an answer about my credit, because they are not financiers. When I asked who I was talking to, they told me that they couldn't give me that information either, like We do have to give them date of birth, address, social security but they don't and they don't have an employee number either? 
So I hung up and went to the page and made the disputes about what I believe is wrong with my credit and also my name is wrong and I sent them a copy of my driver license with my new address and they did not change it. They answered me that everything was correct the same day. How is it possible and how is it possible that my score has dropped XXXX points in one day. The other 3 bureaus have a high score and when I review the information and compare I don't have anything new or different that has led it to that point. I feel discriminated.
Consumer complaint received 2023-06-22
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. (VA)

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (CA)

To whom it may concern, I am requesting to remove the unauthorized inquiry as a result of Identity theft from PENTAGON FCU-XXXX on my credit report. 
The credit inquiry is from PENTAGON FCUXXXX on the date XXXX/XXXX/XXXX. And it is on XXXX. 
I have not applied for anything with PENTAGON FCU-XXXX and did not EVER authorize PENTAGON FCUXXXX to check my credit history. This is a result of a recent identity theft. 
I am requesting that the unauthorized and illegal credit inquiry be removed from my credit report as soon as possible. But if PENTAGON FCU-XXXX  is able to prove that the inquiry is indeed valid, I request that PENTAGON FCU-XXXX provides written proof and a description of how the investigation was conducted. 
Enclosed are the reports of Identity theft filed with the XXXX Police Department and the Federal Trade Commission. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had a 30 day late payment on an account that has never been late 30 days. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late 30 days on any payment for this account XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late at least 30 days. If proof can't be provided, I demand that this payment status be updated to on time as it should be as I was never late 30 days. Thanks.
Consumer complaint received 2024-03-14
Product: Credit reporting 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

I became a XXXX XXXX XXXX XXXX XXXX opened a side business to do my XXXX XXXX I got everything set up, and unfortunately, PayPal was one of those things that I figured would be good for taking payments since everything is digital now. ( I was so very, very wrong ) I set the account up back in XXXX. In XXXX, I inherited XXXX collector 's edition books. I didn't have the room and I didn't want them, so I sold them. 
PayPal is SOO great supposedly, and so trusted. Did you know that they had a class action lawsuit filed against them at the beginning of the month? Violations of consumer-protection laws and antitrust laws? I'm trying to feed my kids and get by, yet I'm performing high-risk transactions ( by selling books ) and now the money I needed to feed and take care of my kids with is being held XXXX by PayPal, and they're refusing to close the account. The XXXX XXXX XXXX  has been contacted about this and I'm about to hire a lawyer. 

PayPal is playing " you gave it to me, so it's mine now and I'll give it back whenever I feel like it ''. Really, go read the reviews on The XXXX
Consumer complaint received 2023-07-03
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. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

EQUIFAX keeps closing cases without investigating file submitted. I am ready to file legal action as previously stated when I call they never help correct inaccuracies due to mixed account. Then when I try to use the site I can not be authenticated or verified due to mixed accounts SO AGAIN I DO NOT HAVE ACCESS TO PROVIDE SPECIFIC INFORMATION BECAUSE I DO NOT HAVE ACCESS TO MY CREDIT PROFILE. 

FOR THE INCOMPETENT PERSON WHO KEEPS ERRONEOUSLY CLOSING THE CASE WITH FALSE RESOLUTIONS THAT HAVE BEEN PREVIOUSLY DOCUMENTED AS NOT EFFECTIVE!!!
Consumer complaint received 2023-10-20
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: ZIONS BANCORPORATION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (OH)

In XXXX XXXX XXXX XXXX XXXX applied an annual fee to a credit card I never use and have not had a balance on in over a year. I called on XX/XX/XXXX to close the account and request the annual fee be removed to zero out my balance. I was assured that would be done. On XX/XX/XXXX I received an email stating that the account had been closed, as requested. XXXX weeks later I received an email stating that payment was passed due on the account. I checked and saw that not only had they not reversed the fee, on XX/XX/XXXX they added a late charge. I called on XX/XX/XXXX and spoke with a supervisor who assured me he would reverse the late fee and send a request to reverse the annual fee, that this would not affect my credit rating, and would be resolved in about a week, I asked for an email or letter stating this and he said he is unable to provide that. He did reverse the late fee, but I never heard anything about the annual fee and it remained on my account. XXXX XXXX added another late fee on XX/XX/XXXX. I called again and was transferred several times, I finally spoke with a supervisor that said he had reversed everything, account balance was XXXX, it would take a couple days to reflect in my account. He said he would file a report to investigate any negative reporting to my credit report and personally monitor it. It hit my credit report this week, dropped my score by XXXX points. I filed a dispute with Experian, and they sided with XXXX XXXX. So I will be calling them back and I suppose retaining a lawyer if I am not satisfied.
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I was in a financial burden, I had applied obtained and repay multiple loans with NetCredit but it wasnt until recently that I understood interest rate. I XXXX  and in Florida the interest rate NetCredit has and I have been paying is not legal. I need some help and direction please its affecting my credit and its a financial burden. Thank you in advance.