davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery placed a collection on my credit report. I asked for that debt to be validated. This company has not validated the debt and continues to report it and call my phone. I want them to stop contacting me and remove this debt from my credit report because they have not sent me a contract between us showing information about the debt. They repeatedly call my phone harassing me, but have not sent me any information I requested to validate this debt. This has been ongoing for a couple of years to no avail.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I contacted my loan service provider to request a statement that would contain XXXX pieces of information, all on the same document. Specifically : - Loan Account Numbers- Payment Amounts- Payment Dates I asked for this information because my employer provides a loan payment match program via XXXX XXXX 's XXXX platform, which requires the above information to disburse a matching payment. I called my loan provider ( ECSI ) on several occasions asking for this information, and was told by a representative on XX/XX/XXXX that the company would send a document with the requested information. That document never arrived at my residence and thanks to the delay, I have unfortunately likely foregone the ability to receive the matching payment through my employer, which would have matched payments I made to ECSI totally more than XXXXXXXX XXXX
Consumer complaint received 2023-12-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

i got a prepaid amex gift card from work. 
I tried using it online. 
the card was declined, although it did show a XXXX cent authorizing / verification charge every time i tried to use it.. 

This is a amex card, accepted anywhere amex is accepted. but it was declined. 

-It was accepted *locally when i physically swiped it. but, there are things that I would like to purchase that can only be done online ; ie XXXX. 

I called, and amex rep said that i should wait XXXX hours, and it should work fine. 
-I did wait.

It did not work.
Consumer complaint received 2023-04-21
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (CA)

I received a letter in the mail from Allied Interstate LLC stating that I owed for a public storage unit in the amount of {$150.00}. Public storage account number : XXXX. Reference number : XXXX. 

This is completely incorrect. I owe zero dollars to public storage or Allied Interstate LLC. My public storage unit was opened on XX/XX/2023 and I moved out on XX/XX/2023 due to flooded water damage. I had to go through their orange door insurance which is also called XXXX and they did NOT refund me for my public storage fees. 

I had a storage unit for less than one month is all fees paid upfront. I have emails and storage agreements stating my move-in date and an email from my move-out date showing I owed {$0.00}. I do not owe anything and did not ever, and I had to move out immediately against my wishes because my unit was flooded with water damaging my items. I have dated photos and videos to prove that as well, if needed.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-29
Product: Credit 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 (IL)

I applied for and was approved for an American Express Platinum card on XX/XX/23, with my application approval including a welcome offer of XXXX Membership Rewards points if I spent {$6000.00} or more on purchases using the card within XXXX months of account opening. After XXXX months, I had already achieved the required spend to attain the welcome bonus, but noticed that the rewards points had not been credited to my account. I called the Amex Platinum customer service line to learn why, and I was informed that my welcome bonus had been denied on XX/XX/23, with no reason indicated. This came as a surprise to me since I had been approved for the welcome bonus when applying for the card XXXX days earlier, and would not have applied for the card without the intro welcome offer. The customer service representative was not able to address my complaint, thus I decided to submit a complaint through the CFPB in an attempt to resolve the matter and ideally have the welcome bonus credited to my account.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a Credit Card with Capital One for several months now. 
I than just opened a checking and savings account with them several weeks ago. 
I have funds that were transferred from a company in XXXX. 
Capital One has froze my account and will not release the funds.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

A shell XXXX card was opened under my name and possibly my S.S. XXXX in XXXX. I never knew about this account until XX/XX/XXXX when XXXX XXXX XXXX contacted me in an attempt to collect an outstanding debt. I've tried to contact Citibank who is the guarantor of this card. I can not get through to any representative in order to get information to dispute this with Citibank, because I don't have the full account XXXX to the card. I never opened this account nor have I ever charged on this account.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (NJ)

THESE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit 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: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 my Wells Fargo Credit Limit was lowered from {$10000.00} to {$8900.00}. I have been a loyal Wells Fargo Customer for over 8 years and have NEVER missed a payment nor have I ever made a late payment. These past XXXX years have been a struggle financially everywhere and I have still been able to maintain a 100 % on time payment percentage. This 10.5 % drop in my open credit line will drop my credit score drastically. I recently paid nearly {$1000.00} to lower the balance owed and Wells Fargo immediately stripped that away. I monitor my credit score through Wells Fargo and it recently went up so I find this to be an unwarranted drop in my credit line. I am only asking for my credit line to be restored to it's {$10000.00} limit to avoid my credit score going down.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC. (NV)

The unverified item listed below remains on my XXXX report in violation of Federal Law. You are required under the XXXX to have a copy or the original source documentation on ile to very that this information is mine and is correct. in the results or your tirs investigation, you stated in writing that you " veritied '' that these items are being " reported correctly '' My rights under FCRA 611 ( a ) ( 7 ) Section 609 ( a ) ( 1 ) ( A ) Section 611 ( a ) ( 1 ) ( A ) I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from Ally bank does not suffice as proof of validation. 
The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

this is fraud
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a Vanilla Visa Gift card in the amount of {$100.00} as a gift and when I activated it and tried to use it, the card was declined on XX/XX/XXXX. I set a Pin for it and still was not able to use the card. I then found out the card was used at a XXXX store by another party and requested a replacement card on XX/XX/XXXX. I was told a replacement card would be sent to me within XXXX and still now on XX/XX/XXXX, I still have not received my replacement card. I spoke with XXXX XXXX today and I was given the same fake information of a replacement card would be sent. After XXXX phone calls and no replies to the numerous emails I have sent to XXXX I need help. 

Card # XXXX XXXX XXXX XXXX Security Code XXXX XXXX. CARDHOLDER INFORMATION XXXX XXXX XXXX XXXX Ticket/Case Number : XXXX Physical Address : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Contact Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NC)

One day I tried to transfer money to another saving account with another bank called XXXX XXXX because they were offering a higher APY. During this process, I also updated my address on the account because I recently moved and did not want them sending statements to my old address. I never had an issue with transferring my money with any other bank, and this is the first bank that locked my account. When I try to contact customer service, they keep transferring my calls and hanging up on me. They said they needed to verify my account by sending me a code but said I needed an alternate phone. I told them I only had one phone and one phone number and asked if I could use my husband 's phone, and they said no. I asked to speak to a supervisor, and they kept hanging up. It is very unfair I cant access my own money just because I wanted to transfer it and update my address. I gave them all my personal information, and they still will not unlock my account. It has been over two weeks with no access.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (CA)

I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with BARCLAYS BANK/OLD NAVY . Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance. 

BARCLAYS BANK/OLD NAVY XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BARCLAYS BANK/OLD NAVY customer service representative XXXX 

I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from BARCLAYS BANK/OLD NAVY . After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame. 

I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances. 

I am writing to kindly request your consideration in performing a goodwill adjustment to remove or modify the reported late payments from my credit history. I believe that the unique circumstances surrounding the missing statements and the resulting late payments do not accurately reflect my usual financial behavior. 

Enclosed with this letter, please find supporting documents, including bank statements and proof of my efforts to bring the account current. I am committed to rectifying any outstanding issues and ensuring my account remains in good standing. 

I sincerely hope that BARCLAYS BANK/OLD NAVY will understand this exceptional situation and grant a goodwill adjustment, helping to rectify the impact on my credit score. I appreciate your time and understanding in this matter.

Thank you for your consideration.
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

In XX/XX/2019 two different rental companies put evictions on my credit for apartments ive never had. the first one was for " XXXX XXXX  '' and they are saying i owe XXXX for an apartment i didnt not live in nor sign up to have. 

the second one is an apartment called XXXX XXXX XXXX they have two different accounts on there for two different amounts. i tried to dispute both of these accounts multiple times ive asked for proof of the debt and they have not sent me anything but told the credit companies that i owed the debt. i reported the fraud several times and i filed a police report.
Consumer complaint received 2024-01-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

My Sephora visa card expired in XX/XX/XXXX. I never received any new card. So no new charges were made since then. When I go online I would pay my current balance thinking account should be paid off. They kept adding late charges after balance would be paid making my account late now on my credit report. And I would know nothing about it as I thought my balance would've been paid. It's happened every month since XXXX. Shouldn't paying current balance pay it off
Consumer complaint received 2023-12-12
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. (MO)

Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Consumer complaint received 2024-03-25
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. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Experian and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than XXXX business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IN)

XXXX XXXX XXXX XXXX XXXX XXXX American Express Card . 


I provided all of the account number for my XXXX XXXX account, talked with high risk who said everything was approved and that new account to would follow up with me to them denying my application after making me wait 2 weeks for any type of notification. I have the appropriate XXXX XXXX accounts that I need for this card. I will provide them below again XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

On XX/XX/2023, I noticed that I had a collection from Central Portfolio Control for an amount of {$150.00}. I have never interacted with, done business with, or signed any paperwork with this company. I am not liable for this debt with Cental Portfolio Control, as I've stated, I do not have a contract with them. They did not provide me with the original contract as I requested.
Consumer complaint received 2024-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Fraudulent inquiry reporting to Transunion that I did not authorize. 
XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXX
Consumer complaint received 2018-11-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.
Consumer complaint received 2023-06-20
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. (MD)

Experian is reporting the following accounts on my credit report. I haven't received any disclosure statements or any debt validation letters. Experian has sent a generic letter stating been verified. Experian has continued to violated consumer laws by not using the proper procedures 15 USC 1681D. XXXX - Amount : {$1200.00} XXXX - Amount : {$1500.00} XXXX - Amount : {$1300.00} XXXX - Amount : {$1700.00} XXXX - Amount : {$690.00} XXXX XXXX - Amounts : {$5300.00}, {$19000.00}, {$8900.00}, {$36000.00}, {$10000.00} Self - Amount : {$520.00} XXXX - Amount : {$29000.00} XXXX XXXX. XXXX XXXX - Late payment XXXX XXXX XXXX XXXX XXXX XXXX - Amount : {$2500.00} XXXX XXXX XXXX - Amount : {$320.00} XXXX XXXX XXXX XXXX XXXX - Bankruptcy
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Im depressed and after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.

Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life.