davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (AZ)

I had an old medical debt where I was charged incorrectly at the hospital. The charges were disputed but sent to a collection agency. The collection agency attempted to collect but I refused the incorrect charges. The collection agency then kept the entire debt collection and multiplied it by fake selling it to other collection agency 's who ended up on my report. The other collection companies attempted to collect on the same exact debt thus multiplying the debt excessively and caused excessive damages to my XXXX XXXX. I contacted XXXX and XXXX to have the debt disputed and removed. XXXX understood my complaint and removed the debt that was violating the FCRA ( fair credit reporting act ) XXXX on the other hand has not responded to my disputes and every time I call them I end up talking to someone in XXXX who has no idea what is going on. I want XXXX penalized for continuing to report my score incorrectly for so long and I want that excessive debt removed from my report.
Consumer complaint received 2023-03-08
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: ALLY FINANCIAL INC. (CA)

I disputed a charge on my credit card and was denied and they asked for additional evidence. I submitted the additional evidence but it was outside of their time frame. The only reason I was late to submit this information was because they mailed me the information about the case, even after I requested that they send me a message online. 

I had two fraudulent charges from a rental car company and I had the contract to prove it. I submitted the contract and they told me that it was outside of the timeframe for submitting new evidence.
Consumer complaint received 2023-08-10
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. (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 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 2018-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.
Consumer complaint received 2022-09-21
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. (PA)

XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

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

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance XXXX
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened an account with XXXX XXXX XXXX which is funded thru Bank of America. I never received the statement until XXXX XXXX. I called the XXXX  at XXXX  after returning from vacation. The young lady who handled the matter was not very polite. I explained that my statement was placed in XXXX XXXX  instead of XXXX & I have proof which she said was not needed. I informed her I didnt receive the card either. She said she was going to close the card & replace it with account ending in XXXX I requested to have the late fee removed. She said she would put in a request since its not XXXX XXXX fault but the Post Office. I also filed a complaint with the Post Office. I received the card on XX/XX/XXXX I activated it yesterday,XX/XX/XXXX. I went to use it onXX/XX/XXXX& it was declined causing me trama. I called & the 1st Customerservice rep hang up on me after I requested to speak with a supervisor. Called back & spoke with a female who claimed to be XXXX then a male who claimed to be XXXX   supervisor. Both confirmed account was closed. XXXX  said that the card ending in XXXX was indeed mailed on XX/XX/XXXX but canceled onXX/XX/XXXX but refused to say why. I asked him if the card was closed how could I activated it and he had no answer.
Consumer complaint received 2023-06-02
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under XXXX XXXX. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update ASAP.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

An accommodation includes any payment assistance or relief granted to a consumer who is affected by the XXXX pandemic during the period from XX/XX/2020, until 120 days after the termination of the XXXX national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the XXXX national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
XXXX XXXX is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX  numerous times prior to the due date of my car payment to have my monthly payment pushed to the end of the loan. I advised my father was XXXX  and I was behind in taxes. They refused to file the request till my payment was past due on the XXXX of XXXX. When I called in XXXX they advised it has to be close to 30 days past due to file. Contacted in XXXX and at this time my father in XXXX, again refused to submit request until after the XXXX in XXXX. Called at this time and advised it was the XXXX, and called again in the XXXX and they finally sent the request but advise will report my XXXX payment deliquent which is not due till the XXXX. Advised I would like to request both month pushed as I am paying funeral cost as my father passed on the XXXX and advised this can not happen till the XXXX at which time my XXXX will report to the credit bureau as delinquent. I feel this is an inappopriate tactic used on consumers especially those who have made payment on time. This is blackmail or strong arming the consumer who is attempting to stay in good standings. They never sent a receipt of filing the request and never provider references as if the conversations will be erased. They never approved or declined the request or informed consumer. I had no information if accepted. They pushed this to my credit as if not paid but all payment were made up to date by the end of XXXX as it was unclear if the request was accepted. They failed to communicate the process or if accepted or declined.
Consumer complaint received 2022-10-19
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2023-06-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-19
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have had a Capital One credit card for at least 6 years and maintained it without being late despite many hardships over the years. I obtained a prepaid Capital One credit card last year after responding to an offer. 

The other week I logged into my Capital One app and account for my routine daily checks and maintenance to discover that a " restriction '' had been put on my account. Within minutes I also received several email alerts from credit monitoring services that an account had been closed. 

I never received any emails, letters ( not until a week later ), texts, etc. Capital One never communicated to me in any fashion or gave any kind of warning. 
The accounts were temporarily over the limit, but I do not see why you would take such extreme measures without any warning for this. 

The account that was closed that I had for 6 years was one of my oldest accounts and will thus have an unfair excessive negative affect against my credit ratings given the way the algorithms work. 

Their sudden and arbitrary actions against my accounts was added bad news and stress that I did not need nor deserve! 

The case that I am making is that Capital One should have relayed some sort of warning or pre-communicative measures BEFORE taking things this far!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX, a car was purchased wrongfully in my name and part of a sheriff 's report. XXXX XXXX XXXX XXXX refused to acknowledge the theft while I even helped locate the car. Currently the information is wrong on the credit report. It reflects as current / terms met and also ND ( Data Unavailable ) in XXXX. I assume this is a game by XXXX XXXX XXXX XXXX to keep on my report.
Consumer complaint received 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AZ)

I was a customer of XXXX XXXX for 17 years. I was on Auto Pay. This past XXXX they suddenly stated that I owed {$350.00} XXXX XXXX 
I tried to get this straightened out on many phone calls. Managers that were supposed to call me back, never did. After 17 years, I left XXXX XXXX because of this old, erroneous charge. I do owe them the rest {$340.00}, which I will gladly pay. I will not pay some fake {$350.00} from 7 years ago. 
Thank you. 
XXXX XXXX
Consumer complaint received 2024-03-10
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. (IN)

In 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-10-19
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2021-10-15
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. (PA)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX 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 # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX AXXXX XXXX # XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Despite providing evidence of identity theft to creditors and the credit bureaus multiple times per year since XXXX, there is persistent incorrect information on my report. From bureau to bureau the amount of debt varies, payment history reporting varies, account status and comments vary. This has caused there to be a significant difference in the scores for my profile at XXXX, XXXX and Experian and has prevented me from securing a home loan among other types of credit over the years. I have called the creditors directly, mailed letters to the creditors and the credit bureaus and have filed reports with my local police station and the FTC. No avail. I want to stop being punished because the bureaus have failed at validating debts properly.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$290.00} XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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. (TN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (GA)

They have called and emailed me about my balance but I emailed them back telling them I dont have that kind of money. The company didnt make it clear to me. Im in the process of looking for a house so thats putting a dent in my credit. I dont get help from anyone and I have kids. I stopped paying because I read the reviews on the XXXX  and they are scams!
Consumer complaint received 2023-08-10
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. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

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.