davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (RI)

I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on Experian site. 


saw XXXX XXXX accounts and disputed on Experian as well as called XXXX... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report ..I need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in XXXX XXXX XXXX this is not my charge Experian send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no XXXX account and made no purchases at a retail store in Arizona ... ..please help XXXX.. .the delinquency is killing my score ....
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act The following accounts XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX  account number XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They all have all violated my rights under the following ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-19
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. (MA)

I am writing to express my profound disappointment regarding the unresolved status of my filed complaint concerning the account referenced in my previous correspondence. Despite my efforts to rectify the inaccuracies on my credit report, I have yet to receive a satisfactory resolution.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NY)

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 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 2023-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

The landlord involved in this collections goes by the name of XXXX XXXX and the collections agency is know as Professional Debt Mediation. These two teamed up on XX/XX/XXXX reporting an unjustified debt $ XXXX for damages that landlord used to retaliate against me for giving them a hard time as they were very unprofessional and had no due process in handling renters concerns/issues. XXXX of XXXX is when I realized both my partner and I had the new debt of {$1700.00} on our credit. I called into Professional Debt Mediation asking for proof of debt. The only documents they supplied me with were the lease agreement, itemized charges that landlord claimed were justified, move out inspection signed by partner where all categories were listed as to be determined at time of signing, and the original lease agreement. Since PDM could not provide substantial evidence I disputed this collection within 30 days of receiving debt validation. While doing this I asked for more supporting evidence again debt that is tarnishing my credit at this point ( specifically pictures, invoices from repairs, etc ). PDM agents were very nasty with me, even hanging up on me, repeating we dont have any supporting documents and you already dispute so you will have to take XXXX XXXX to small claims court. Life went on and of course the collections remained causing my relocation to be hell. $ XXXX higher rental rate, deposits, short term rental fees, relocations, etc. Fortunately on XX/XX/XXXX I received a emailed documents from PDM stating that they have discontinued pursuit of the account, as it has been returned to file. So of course I reach out asking what has changed. And the response from the PDM agent insinuated that they did not have enough evidence to continue pursuit, I responded reminding the agent that I have been trying to convey this to PDM but when calling in or them calling me, their main concern was collecting the funds without justifying the debt. Lastly letting the agent know I will be reporting PDM. I am also in the process of starting a civil suit against XXXX XXXX as they have illegally withheld my deposit and unjustly sent me to collections, tarnishing my credit for more than a year of suffrage.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

You third class Discover bank. 

This is my first complaint against Discover credit card on CFPB, so how come I reported the transactions mutiple times as disputed? 

Stop showing the credit card as Disputed.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NC)

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 2018-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (CA)

I get paid on the XX/XX/XXXX of each month and my credit payment XXXX of the month. so basically since XXXX they added {$140.00} dollars late fee. So i try to call and fix and get back to my {$75.00} a month payments and they say no pay {$300.00} and if not pay {$75.00} but we still gone charge {$38.00}. no real help like most companies wont let me change the dates or any adjustments to help me get back on track with payments. I contacted them to try to work something out XXXX & XXXX no help at all
Consumer complaint received 2023-03-13
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, EXPERIAN, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses off my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CT)

On XX/XX/XXXX, Credit Karma locked both my save and spend accounts due to a duplicate deposit that was issued in error from another institution while using the Credit Karma app.

At the request of Credit Karma, I contacted the other institution and they had me submit paperwork to reverse the duplicate transaction ; credit karma then locked both of my accounts, sent a generic email to me on XX/XX/XXXX requesting documentation ( which I immediately provided same day ) and daily calls and chats since have resulted in no further contact from their special higher department.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

As a follow-up to my prior complaint, XXXX debit 2 {$400.00} charges from my account on XX/XX/XXXX. USAA asked me immediately if this is fraud. I said yes. After a several confusing phone calls with USAA, I was assured the matter was resolved. They deposited {$800.00} back into my account the next day as a provisional credit while they resolved the matter. Several days later, in fact on XX/XX/XXXX, USAA bizarrely withdrew the {$800.00} provisional credit. I called them immediately on like 2 hours sleep. I work all the time and I do not need this stress. Their representatives provided me conflicting and apparently ( from what I found out on later calls ) wholly inaccurate information - telling me that someone impersonated me and confirmed the charges were valid, then asking if my husband is running these charges ( mind you they were asking if he did this on my debit card which he does not have. Also he is not a gambler ). Then they said they can't fix this for 45 days and that no one will call me back after I requested to speak with someone else. Then I called back and I was told this would be fixed, that this was a 'bank error ' and someone would call me during the same business day. No one did. After bank closing, I realized this was not fixed, so I attempted to cover the {$800.00} taken from me by USAA by sending a XXXX deposit and then depositing a check - apparently that just does not work with them - they just bounced a check withdrawal on my account. They did this because they hold after-hour XXXX charges for days and they also put a bizarre hold on my check. I was then told I should not deposit a check from an account I have at another bank- this was news to me - that they can wholly refuse that - and they decided anyway to hold the funds for 10 days???!!! Why? They themselves present and get the funds like the next business day. They claim 'zero-liability ' policy for fraud- they have sucked up an enormous amount of my time, they have a bounced a check for less than the {$800.00} they took from my account on the XXXX that they acknowledge is an error, and they have insulted me on the telephone. They don't even care at all when I tell them I will report them YET AGAIN to your office. They just don't care about their customers, they don't care about veterans or their families, they are just harassing me over fraud they fully acknowledge is not my fault. I am disgusted and upset and I do not need this XXXX as I work 60 hours a week and I have to stop working to deal with their XXXX back office processes. All of these problems with USAA have started in the past 2 years - before that, they were fine. I am just beside myself. I absolutely am so upset that they can't stop hassling me and making my life XXXX over a fraud that they acknowledge is not my fault and over their own bank errors.
Consumer complaint received 2024-03-19
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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)

i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all three credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

They are saying I owe XXXX over {$500.00} for internet. It is under an email and residential address Ive never lived at or used. I am also an XXXX customer for over 20 years so I know this debt is not mine as they have my regular information on file for my phone and my daughters phone. They said it was unpaid internet in which I have never used them for. The address was in Illinois and I have never lived there and a false email that never had. I reported it to the debt collector. This is awful and showing on my perfect credit!!!
Consumer complaint received 2022-12-05
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. (KY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (FL)

In XXXX Wells Fargo started charging me interest on a card that was supposed to be XXXX % finance for the life of the card because they messed up the balance transfer. They refunded fees and interest charges and everything was fine for one month. Then they started charging fees and interest. Ive escalated the issues in the beginning of XXXX and still havent heard back. They do not return calls and no one can explain to be what the issue is. Theyve refunded some fees and interest and told me things were taken care of and then it went silent. They dont call when they say they will call. I e given them since XXXX to fix this. It has been 5 months. I want the interest refunded and the rate to XXXX
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I had a regular Kohl 's card. I received a letter saying I was selected for a capital one kohls charge. I told them I didn't want it. I made a charge at kohls with my regular card in XXXX XXXX. I received the charge card from Capital one even though I didn't want. I did not even activate the card. I tried to pay my bill online, as I always do, I kept getting error. I called Kohls they said they had no account and referred me to a capital one number. I called capital one to find out what is going on. They referred me back to capital one. I told him I did not want the card. He said I would have to cancel the card I never activated and reapply with Kohls. I told him I still needed to make my payment. He then said he needed to read me a disclosure, then asked me to agree to it. I told him no I do not agree to a disclosure for a card that I never activated or wanted. The card has a label on it saying to call a number to activate. After a lot of frustration, he took my payment this was on XX/XX/XXXX. The guy then stated that the payment will be reflected the next day on XX/XX/XXXX. I told him I had been trying to make the payment all day. He said it was after his time. On XX/XX/XXXX I called again to payoff and close out the card. They again went through the same thing with the disclosure and a long frustration conversation, I asked for a manager. The manager said it didn't matter is I activated my card or not because I made a purchase in XXXX that activated the card even though I didn't call the number and activate it. She again kept refusing to close out my account or take the payoff until I would agree to the disclosure. I finally to her I agree to never opening another Kohls Capital card and close the XXXX card. ( I didn't swear, but she kept pushing me. ) She took the payment and said it was closed out. This Friday, I received another statement, this time from Kohls Capital one. It showed a late fee and a overpayment, so to say the least these sent me a bill for {$14.00}. and change. I called the number on the statement, and they said they have no record even after I called the number on their statement. They tell me I have to call Capital one. I really need help. I filed a complaint with XXXX. I also seen others that were having the same issue.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ALLY FINANCIAL INC. (TX)

I was invited to make a balance transfer about 10 months ago that would accrue 0 % interests, which I did. 

I was again invited to make another balance transfer 2 months ago. I checked about previous one, and was told payments would be allocated evenly across both balances. 

With last month 's ( XX/XX/01 ) payment, I saw that the balances weren't decreasing accordingly, but most recent balance was decreasing before older balance. 

I contacted the XXXX XXXX  and was read a long " payment goes to here, then that, then the other '' dissertation, yet they ask for a small minimum payment, which clearly would not meet the necessary timeline to pay the transferred balance in full, but they allocate any monies maid in excess as they see fit.. 

When I asked whether the 2nd balance transfer was just an entrapment to keep me from clearing that first balance, and thus achieve the 0 % interest charge, more blah, blah, blah, blah, blah. Basically saying that the entire balance must be paid in order for the1st balance transfer not accrue interests. 

This seems as entrapment to keep me from capitalizing on the 0 % interest original offer. 

I made a request to allow me to pay off the 1st balance transfer in full, yet it remains " under review ''.