davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX  credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX XXXXXXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  and XXXX are the same debts different creditors and are both showing up on my TransUnion credit report for the amount of $ 3730.They both cant collect.Ive sent out a letter to TransUnion to remove this erroneous accounts immediately.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (IN)

Zales Commenity was suppose to give 12 months interest free. Instead gave 6 months interest and charged XXXX dollar fee. When holding for Supervisor after 45 minutes they hung up. Called back and Second Lady didnt want to deal with it and hung up on me. Third person finally got me to supervisor who said there was no report of call. I asked if she had previous calls same day where they hung up while I was holding and disconnected calls. She said no. So I advised your folks are not logging all notes. She stated nothing I can do for you.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and XXXX  has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (IN)

I have a credit card through Continental Finance. I have one of their XXXX Mastercards. The problem I have is keeping up with payments. Every payment I make gets ate up by their absurd interest rate, fees and charges. This is a predatory company that preys on people like myself that find themselves in dire financial straits and don't have the best credit history. My current limit on the card is supposed to be {$700.00}. But I have gone over that limit and now every month my it seems like my minimum amount gets raised more and more. Not just that, but these vultures also keep increasing the total amount. Instead of {$700.00}, I now owe them almost {$1000.00} in total. I have no problem with them increasing my minimum payment, but I can't keep having them increase the total amount I owe. I have missed a few payments because I can not keep up with the avalanche of debt they keep throwing at me. No company should be able to treat their customers this way. I have no problem going back to our original arrangement, where I was paying a minimum of {$35.00} per month, but they can't expect me to keep paying XXXX XXXX dollars one month and XXXX XXXX the next.
Consumer complaint received 2020-01-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (NY)

i have notified EXETER finance on several occasion that the account does not belong to me and its fraud on my account, which they have chosen not to remove from my credit report. its in charge of status on my credit report and the past due amount is {$9000.00}
Consumer complaint received 2023-02-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (SC)

It was being reported on my credit report that I had a collections account for a past due loan Through XXXX XXXX being shown on my credit report. Ive disputed this collection and in return I was told that and show where XXXX XXXX was removed as the Original Creditor of the collection and Regional Finance Loan company was then stated as the original creditor. Ima convinced there is a fraud taking place here and I would like The CFPB to investigate into this matter thoroughly please.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (IL)

On my credit report it shows that I have a derogatory mark for non payment of a loan with a company named Speedy Cash that was opened on XX/XX/2019. I have disputed this issue with XXXX  as well as the company itself. This company is not licensed in the state of Illinois or the state of Indiana where I used to reside, I could not have obtained a loan from this company. This is negatively affecting my credit and I am trying to get it removed from my credit report.
Consumer complaint received 2024-02-28
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)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XXXX - XX/XX/2023 amount {$450.00}
Consumer complaint received 2023-06-30
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. (TX)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2021-05-25
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. (NC)

XXXX XXXX XXXX ( XXXX as it shows on my credit report ) is not properly reporting my account to Transunion the same as it is reporting the account to XXXX  and XXXX. Recently reached out XX/XX/XXXX to both Transunion & XXXX to understand why my account is shown as a negative closed account while XXXX  and XXXX  are shown as a positive paid account. Neither party wants to take ownership and/or attempt to correct the issue. 

Have been disputing negative items on my account using XXXX beginning around XX/XX/XXXX & with clear instructions to have these negative items removed the credit bureaus ( Transunion, XXXX  & XXXX ) have yet to remove these items and are not following the law based on the Fair Credit Reporting Act which states information on my credit report must be reported 100 % equally across all three bureaus. There are clear inaccuracies with these accounts such as different balances being reported & account numbers not matching, and they have yet to remove them. I am on my 5th set of dispute letters with them & either : A. ) the accounts arent being removed based on the FCRA and/or B. ) remarks are being removed then placed back on my account with little to no proof that the information is accurate. I am highly disappointed with how the credit bureaus have been handling these disputes & demand they abide by the FCRA to resolve this issue.
Consumer complaint received 2023-06-30
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. (LA)

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 2021-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2021 - Ordered two identical bathroom exhaust fan/lights from XXXX for a total of {$240.00} XX/XX/2021 - One of the two fan/lights was delivered by XXXX XXXXXXXX XXXX 3rd party carrier, XXXX Item was left on front door step. Went to carrier 's web site to seek info on delivery. No signature was requested by the carrier to document delivery, nor was a photo taken as proof of delivery XXXX POD ). 

XX/XX/2021 - Called customer service number for XXXX XXXX online sales to seek either credit for or replacement of the undelivered fan. XXXX XXXX customer service told me that carrier indicated that both items were delivered. I requested POD which was declined, as was credit or replacement for the missing fan. XXXX XXXX customer service told me to dispute the charge with my credit card company, Capital One. 

XX/XX/2021 - Called Capital One customer service to dispute the charge for the undelivered item. Assigned XXXX XXXX : XXXX. Was told forms would be sent by US Mail to document the dispute. Forms were NOT sent by postal mail, rather they were posted to my Capital One online portal as documents and were thus overlooked for over 2 weeks. 

XX/XX/2021 - Completed forms requested by Capital One to document the dispute and faxed them to the number designated by Capital One, seeking credit of {$120.00} for the undelivered fan/light. 

XX/XX/2021 - Received response from Capital One denying my dispute, stating that they had received " notification that goods were as described and received in good condition. '' XX/XX/2021 - Prepared and submitted to Capital One via facsimile a detailed rebuttal of the XXXX XXXX contention that goods were " received in good condition '' and requested either signature or photographic proof of delivery of both items purchased and that the credit in the amount of {$120.00} for the fan/light not delivered be restored to my Capital One account. 

XX/XX/2021 - Received notice from Capital One that my response " lacks all of the previously requested information needed to validate '' the dispute and denied my claim. Capital One instructed me to work with XXXX XXXX to resolve the dispute.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OR)

US Bank is advertising a 0 % APR ( Annual percentage Rate ) for a balance transfer for 15 billing cycles. Yet Because they charge a 3 % fee for the balance transfer the actual APR is of course 2.4 %.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (GA)

XXXX turned account over to collection with providing final accounting. I have contacted collection agency who provided a summarized bill that reflects balance due on each device with out credit for returned devices. I have subsequently verified with XXXX devices were received on XX/XX/2020, however no credits have been replied to reflect the return of device, therefore the wrong balance due is being provided.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my creditXXXX XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX  and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Consumer complaint received 2018-06-12
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. (NY)

Regarding XXXX about TRANSUNION.- Company did not research my complaint. I am claiming that the company " XXXX XXXX XXXX '' by their own admission is attempting to collect a {$710.00} Debt off of {$300.00} credit limit. By their own admission a XXXX XXXX interest rate was charged. This is illegal in NYS and is should not be on my credit report. You'll notice that it states that " this debt is past the statute of Limitations '' on the " forms '' XXXX XXXX XXXX has provided. Transunion is engaging in willful blindness and I would like them referred to the enforcement division of the CFPB. XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MI)

All my words were erased. Im overwhelmed. My identity was compromised by Retrival-Masters Creditors Bureau , Inc. 
America Medical Collection Agency XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Notified me my social security and medical information was breached.
Consumer complaint received 2021-05-25
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. (NJ)

On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as XXXX, XXXX, EXPERIAN any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ALCHRO INC. (FL)

In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.
Consumer complaint received 2023-03-01
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. (AL)

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. Account name : XXXX has violated my rights. 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 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IN)

Fedloan Servicing is the company servicing my consolidated student loan. I have monthly Direct Debit on my account, and have never missed any payments in over a decade. I am in the process of changing banks, and immediately following the account drafting in XX/XX/XXXX I went onto Fedloan Servicing 's website to change my Direct Debit information. At the time I set up the direct debit, it stated it would take several days to set up ; however, weeks later my direct debit did not draft. I logged into my account when Fedloan sent an email informing me I had missed a payment. 

As a result of Fedloan Servicing 's failure to timely establish the Direct Debit for this account, I now have a negative credit report for a missed student loan payment. My husband changed the Direct Debit for his student loans serviced by XXXX on the same day at the same time and had absolutely no issues with the timely changeover of banking information.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

I have NO CONTRACT with this collection agency. Also they have been trying to collect on debt they claim I owe them that the date owed has been changed many times outside the statue of limitations. I am continually sending verification letters to this same collections agency every month or so for the same exact date of service and not only is this stressful but it is mentally draining me.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

I am being charged in full for a purchase I have not received - it is a carpet from Home Depot that I was charged on the Home Depot credit card on XX/XX/XXXX and they have sent me a bill and I have not received the carpet as of XX/XX/XXXX and it's likely not going to be installed until later since they still have to come measure before they install and they just scheduled that for XX/XX/XXXX. They charged my Home Depot card the full amount of a quoted service but as of yet I have not received anything. They also offer a promotional 0 % interest for 6 months which will now expire approximately 5 months after I get the carpet ( if the carpet comes in soon ).
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NC)

I was repeatedly harassed by Discover Card. They called me day and night, every day of the week and even holidays. They called my inlaws and family members and threatened to take me to court. I really want to complain about them and also XXXX XXXX XXXX ran by XXXX XXXX. I had sought them out to settle my credit card debts and instead they took all of my money and never settled my debt. Discover card people were incredibly cruel and harassing in the process. I did not answer phone calls of theirs, because I was advised by XXXX XXXX and his team not to. I blame them for my turmoil.
Consumer complaint received 2015-05-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Regulating Services, Inc. (AZ)

I DONTAED A XXXX TO XXXX XXXX ON XXXX THE VEHICLE WAS TOWED AT ONE POINT AFTER I HAD DONATED IT. THE TOWING COMPANY, XXXX XXXX XXXX, IS TRYING TO HOLD ME RESPONSIBLE AND SENT THE ACCOUNT TO THE COLLECTION AGENCY AT CREDIT REGULATING SERVICES, INC IN XXXX, CA. XXXX. THE VEHICLE WAS TOWED AFTER I DONATED IT TO THE ABOVE MENTIONED INDIVIDUAL. THIS HAS AFFECTED MY CREDIT. I DID NOT KNOW THAT THE VEHICLE WAS TOWED SINCE IT NO LONGER BELONGED TO ME UNTIL I RECEIVED A COLLECTION LETTER.