davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In early XX/XX/year>, I logged into my XXXX credit reporting agency to check my credit score before I applied for credit. My credit score at the time was XXXX. ( Same score as of this writing. ) On or about XX/XX/year>, I requested a credit limit increase for my USAA  XXXX XXXX Rewards credit card. I was subsequently denied. I also applied for USAA 's Cashback Rewards Plus credit Card and again was denied. I am in receipt of the XXXX denial letters and the XXXX credit scores for each application was XXXX and XXXX respectfully. A XXXX and XXXX disparities. 

I requested an explanation why my XXXX XXXX XXXX I see online in my account has a disparity of XXXX points what they see. The representative explained that if I do not agree with the credit score, they listed, I need to file a dispute with credit bureau. I explained back that the credit bureau is not the problem because I see XXXX but they claim its XXXX and XXXX. ( XXXX would have turn around and my complaint should be with USAA. ) I understand that there are different versions FICO scores. But a XXXX disparity is unbelievable. Had my XXXX score I see in my XXXX account at XXXX ( at the time of requesting a credit limit increase ) I would have NOT applied for credit limit increase and applied for the other credit card from USAA. 

Several years ago, USAA provided a credit reporting and XXXX XXXX through XXXX. Because they use that XXXX XXXX XXXX, I based my decision to apply for credit limited increase and new credit card of the score of XXXX. Although they do not provide this service anymore as of this writing, a USAA member like me presumes they would honor the same XXXX XXXX that members see on their XXXX account- in my case a XXXX score.
Consumer complaint received 2022-11-17
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. (GA)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX  XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

In the year XXXX I left the USA and returned after 10 years in the USA in this XXXX. But I found during my absence a credit card account is open using my information and was operated for a few months which I did not have any knowledge. I want this record to be moved and also some hard and soft inquires happened in past years XXXX to XXXX when I was out of country. I have proof of documents that show my entry in this year and my residence in other country during entire last 10 years. Please guide and do needful.
Consumer complaint received 2022-11-26
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. (NC)

XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, Experian, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] 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 EXPERIAN : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10000.00} ) VIOLATIONS : 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.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, EXPERIAN, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.
Consumer complaint received 2022-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX found out a credit card was opened fraudulently on my name through Bank of America, after reviewing alerts on my XXXX account. My name, DOB and SSN was used to open the fraudulent account. The account was opened XX/XX/XXXX. By XX/XX/XXXX the account had a balance of {$15000.00}. BOA told me on XX/XX/XXXX they put a hold on the credit card account and opened a fraud claim. They are supposed to be sending me an affidavit form to complete and return. BOA advised it could take approximately 30 days to investigate. 

On XX/XX/XXXX I also filed a police report with XXXX NC XXXX, and contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) to freeze my credit. 

On XX/XX/XXXX I contacted XXXX XXXX to open a fraud claim for ID restoration. This was not done and I had to call back on XX/XX/XXXX to request this again On XX/XX/XXXX, also contacted XXXX to request a 7 year fraud alert- was told they will also notify XXXX and XXXX.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I opened a synchrony bank account in  XXXX    XXXX   with a  6  mo interest free financing option. I paid my first payment in  XXXX  and thought I set up auto payment but did not so in  XXXX  I contacted a male representitative who waved my late fee and helped me set up autopay for the statement balance. According to my email at  XXXX  on  XXXX   XXXX  I was due to autopay the statement balance every month and then at  XXXX  on  XXXX   XXXX  I was due to pay the minimum balance every month. I NEVER changed it and the manager I spoke with today is denying anyone can make changes to my autopay besides me but the male I spoke with in  XXXX  was the one who helped me set it up. I have never in my 17 years of owning a credit card paid a minimum balance so for them to say I set up minimum balance payment is ridiculous. I set it up for statement balance and withi n 7  minutes either it was automatically changed to minimum balance or someone changed it. As a result I had been paying minimum balance for 4 months completely unaware that this was happening and paying an exorbitant interest rate and also lowering m y credit score. T hey are fraudulent. I have paid it all off and closed my account but have told them I am planning on legal charges out of damage to my  credit score. I woul d like to warn others of their fraudulent behaviors and when I google what happened to me they are the first hit for fraudulent behavior. This credit card company needs to be shut down.
Consumer complaint received 2023-02-15
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-12
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. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (AZ)

Experian credit reporting will not let me cancel my account. They have all kinds of ways to easily sign up for their services. They miss lead you with free credit report than the will automatically start monthly billing with disclaimers stating you can " Cancel at anytime '' They make it seem like it is just as easy to cancel. After months of billing my account they raised the rates. I have now spent hours on the phone trying to get someone to cancel my account. I have searched the web to see if any one else has a easier solution to cancel. Everyone I come across says they are waiting for over an hour on hold. I have done this and when someone picks up they hang up the phone. I am so frustrated with Experian. I THOUGHT THEY ARE THEIR TO PROTECT US HONEST PEOPLE. I am filing this complaint to hope someone forces them to change their company policies.
Consumer complaint received 2017-03-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services (TX)

The company 's name is Integrated Recovery Services and they are trying to collect a debt and using and somehow getting my personal information and contacting my employer, my family members, and emailed me a letter. These people are scammers and are trying to collect a debt and pocket the money and state they are BBB accredited and they are not and that they are going to send the sheriff to my job to pick me up and/or to my place of residence.
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (TX)

XXXX   XXXX ,    2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe   XXXX   XXXX  . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.
Consumer complaint received 2022-11-22
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. (TN)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights!!! 

16 U.SC 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. 

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kovo (MO)

On XX/XX/ I applied thinking this was a loan company. I was approved for a loan as it clearly stated that. I signed the loan agreement and it said the payments were {$10.00} a month for two years. The problem is that I didn't receive any money. They expect me to pay the {$10.00} a month for nothing as I contacted them and was told that I do not receive any money or cash. Why would I agree to pay {$10.00} a month for nothing at all. I googled loans and there name came up. It also says that if your unhappy with your purchase you can request a refund within 30 days and I did that by email to not receive any correspondence back from them imagine that.
Consumer complaint received 2022-11-17
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)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 2023-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX XXXX called and told them I did not authorize or give them consent too report this on my credit report 15 u.s.c. 1681b
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the following dates : XXXX XXXX XXXX XXXX XXXX accessed my TransUnion consumers credit report without my knowledge nor consent. I reached out to XXXXXXXX XXXX to inquire who and why my consumers credit report was accessed. They told me that I made an insurance quote request. They told me that I gave them authorization to access my report. 

I informed XXXX that I did not, nor would I ever give permission for them to access my consumers credit report. I also asked how they got my social security number and other personal indicators to access my consumer credit report. They the management representative I spoke with was not able to answer my question. 

I requested they produce competent evidence written or verbal recording that I provide them my personal information and permission to access my consumer credit report. More than a reasonable period has passed since my request with no response from XXXX. My attempts to follow up with the management representative have been unsuccessful. My voice mails have gone un-returned.
Consumer complaint received 2022-11-17
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. (TN)

I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is Equifax, XXXX and XXXX did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} 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 2017-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX, a minority woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on workmans compensation right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the minority community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo.
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, XXXX and Transunion did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} Transunion XXXX XXXXXXXX XXXX {$800.00} XXXX XXXXXXXX XXXX  {$700.00} XXXX XXXX {$4100.00} XXXX {$570.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$440.00}