davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, Credit Karma sent an email with the following message " XXXX XXXX XXXX XXXX XXXX could help you find a new card with fresh rewards like sign-up bonuses, cash back on everyday purchases, travel miles and buckets more. Plus, adding a new credit card to your mix and using it responsibly could help improve your credit scores over time. 

Pop over to Credit Karma for a preview of cards we've picked out just for you. 

Members with scores like yours increase their credit limit by an average of {$90000.00} when they open a new credit card. If you keep spending low, increasing your overall credit limit can help you lower your XXXX and improve your scores. 

Compare cards 1 Based on your XXXX credit report as reported on XXXX '' When I clicked on compare card, it shows several credit card offers. When I clicked the top most one from XXXX XXXX and filled out the application, I was sent a decline letter with reason saying " Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months ''. All the three bureaus information was used. 

This is insane. Credit Karma partnered with XXXX XXXX to market a credit card offer using my XXXX credit report as of XX/XX/. Both Credit Karma and XXXX XXXX had access to such an information but they went ahead marketing me a bogus card for which I would never have been approved. This is false marketing and attempt to just make my credit bad. 

Second problem with this is during the application stage, none of the XXXX XXXX material mentioned that there would be a hard inquiry posted for this application. Credit Karma also offers personal loans where the lenders such as XXXX would only do a soft pull and not a hard pull. But in this application, Neither Credit Karma nor the XXXX XXXX did not specify that a hard inquiry would be placed. 

Both these companies should be shut down for falsely marketing credit cards.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

On my XXXX credit report I have CCS Collections ( collection agency, XXXX XXXX XXXX, XXXX, MA XXXX XXXX ) trying to collect unpaid {$91.00} for XXXX XXXX. I have contacted CCS Collections and tried to inform them that this is not my debt. It is for someone that apparently has my same name and lives at XXXX XXXX XXXX Apartment # XXXX in XXXX XXXX California. The debt I believe is for residential insurance. The agency stated that I had to prove that I was not the owner, however, did not give me means to do this. I contacted the property manager and she stated she would try to contact resident, but she never communicated back with me. I have also tried to contact XXXX XXXX, however, since I do not have account number they offered me no help. This has been on my credit report for over a year. Can you help correct this. I can provide driver 's license, utility bills, mortgage statement, etc. to CFPB as proof of residence. I have never lived in XXXX XXXX or had any business ( ( account, insurance, etc. ) with XXXX XXXX.
Consumer complaint received 2023-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On numerous occasions throughout the years, I have reached out to my servicer to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Both XXXX and XXXX showing there is no 30 days late for XXXX 2024 credit report but showing 30 days late on my Experian report for XXXX 2024. 30 days late was proven error on XXXX and XXXX and it was corrected but XXXX is telling me to deal with it for my Experian report. XXXX reports to all 3 credit bureaus on monthly basis since the beginning of the loan.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Shellpoint stated in a XX/XX/XXXX, letter, " PMI disbursements were updated from borrower paid to lender paid, '' once the mortgage service provider " determined that PMI payments were not meant to be disbursed from Borrower 's escrow account, in XX/XX/XXXX. 

However, Shellpoint did not return Borrower 's misused funds until XX/XX/XXXX.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXXXXXX XXXX, Fraudulent checking account opened with my ID and address. 

Capital One Bank, TWO fraudulent XXXX opened with my ID and address. 
Fraudulent checking account opened with my ID and address. 

XXXX XXXX XXXX Fraudulent card opened with my ID and address XXXX XXXX XXXX, XXXX. Fraudulent checking account opened with my ID and address. 

XXXX XXXX XXXX XXXX, THREE fraudulent checking accounts opened with my ID and address. 

XXXX XXXX XXXX XXXX Attempted credit application. Credit letter denial received.
Consumer complaint received 2020-02-25
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)

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Failure to Validate Disputed Debt ...  XXXX XXXX XXXX ... 
XX/XX/2017 - According to the complaint, XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.
Consumer complaint received 2022-11-11
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. (MN)

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX, Experian and XXXX XXXX XXXX XXXX ( XXXX ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX, Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Experian and XXXX and I didnt give them permission to do so.
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kason Credit Corporation (RI)

I was recently contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX XXXX XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account.
Consumer complaint received 2020-02-25
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX I received a modification from my mortgage lender. When COVID came, I tried to stay current with my payments, but I could not and defaulted in XXXX of XXXX. I called my lender for assistance and was told to go on the website and put in my loan number and fill out the application. When I put my loan number in an application came up that was 2 pages and did not ask any income or expense questions. I filled out the application and sent it in. I then received an approval for double my current payments and then a balloon payment of {$29000.00}. I ran into a hardship from the pandemic and now I am afraid I am going to lose my house. I can not afford to double my payment from {$1500.00} to {$3100.00} and then come up with almost {$30000.00} in 12 months. I just want to be able to get caught up from the pandemic and resume my payments that were affordable. I feel as though my lender is putting me in a position to fail and I would like to keep my home.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (GA)

Calls are being made to a public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.
Consumer complaint received 2022-09-28
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)

I have sent my police report showing where my identity was stolen along with letters. Still no update or response. They are not complying with the law. The continue to report this that does not belong to me as I have been stating for years and provided proof.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Consumer complaint received 2022-11-11
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 see attachment letter for errors on my credit report. 


XX/XX/XXXX XXXX XXXX XXXX XXXX Executive Office XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : XXXX XXXX XXXX ACCOUNT XXXX XXXX in the Amount of {$3900.00} To Whom It May Concern This is about consumer credit transaction entered with XXXX XXXX XXXX Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX. 

I hereby give your company XXXX XXXX XXXX Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.

1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from XXXX XXXX XXXX Bank. ( See attachments ) 3. Return all monies ever paid on this account. 

If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

XX/XX/2022 {$720.00} I sent a dispute letter requesting validation and they did not validate the account and the representative with XXXX was asking for my legal name and I refused to provide so he used tactics to scare me and provide legal last name and then he went on to say that they will continue to report to the credit bureau even though they did not validate my dispute.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I am unable to submit an electronic request for a credit freeze with Equifax without first agreeing to their terms of service, which include, among other things, a provision that allows them to sell my personal information and allows them to change the terms of service whenever they choose.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IA)

On XX/XX/22, I was contacted by a fraudster claiming to be from XXXX XXXX. He ( XXXX XXXX indicated that my electricity would be turned off until Tuesday unless I made an immediate payment via Zelle. 

I paid {$500.00} via Zelle, but XXXX kept indicating that the payment wasn't received. He then said that I needed to pay cash via XXXX. He countered each of my objections with an answer that seemed plausible. I withdrew {$900.00} from my ATM and deposited at a XXXX kiosk in XXXX XXXX. He kept asking for more money and I realized that it was a scam. 

I immediately contacted both XXXX and XXXX. THe {$500.00} Zelle payment did in fact go through. Both institutions indicated that I could not get my money back. 

The call that I received was from XXXX.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CT)

When applying for this card, I was told it came with a promotional 24mo interest free.

When I received the first bill, it indicated only a 6mo promotion of interest free. 
On XX/XX/16, I called customer service to complain and have the promotional period corrected. I was told " no problem '' and they could transfer the balance to the 24mo promotion, with the start date applying retroactively to the day we opened the account. 

On XXXX, I attempted to use the card and the transaction was declined so I logged on to the account to see why. I discovered that instead of transferring my existing balance of $ XXXX to the corrected promotion, they added a SECOND balance ( $ XXXX ) at the 24mo promotion. So my outstanding balance shows as DOUBLE the amount ( $ XXXX ), resulting in my account grossly exceeding my credit limit of $ XXXX. I immediately called to complain and request this be corrected. 

I first spoke with " XXXX '' and after being put on hold for over 20 minutes while she consulted with her team, I was told she was submitting a claim for adjustment but it would take 7-14 days to correct. When I requested to speak to a manager while requesting an exception to allow the {$1000.00} for cabinet purchase in store that I had attempted earlier in the day, she attempted a transfer but I was disconnected mysteriously. 

I called back and spoke to : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All who acknowledged the error , stated they can see the correction on the balance is in process. Can not allow a charge until the balance is corrected My argument was : their error, they can see it, they acknowledged it, I should be able to use the credit available to me. The only solution provided to me that would allow me to make the purchase I needed to make was to request a limit increase ( which would have to exceed my total outstanding balance which was already DOUBLE what it should be ). I responded that this was unacceptable as a solution and I should be able to access the legitimate available balance I should have ; someone in the department shoudl be able to approve it because this was all a result of their error to begin with. 

The last representative I spoke with was " XXXX XXXX '' in Idaho who told me flatly, " not going to happen today ''. 
I then requested an email/in writing an acknowledgement of their error, that a fix was in process and an estimate of the time it would take for the resolution. I was again told flatly by XXXX, " no ''. That is not going to happen, they are not allowed to provide any response in writing. So I have no tangible proof of the almost 2 hours I spent trying to get an immediate resolution ; I am supposed to just hope things get fixed and take the initiative to log in to my account to routinely check if it has been corrected. 

All told, I spent almost 2 hours on this and 2 days later, I am still unable to use this account.
Consumer complaint received 2022-11-11
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. (NC)

I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC Report.
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CSO Financial (OR)

The last correspondence was about a month ago showing I owed approximately {$200.00}, how did it go from XXXX to {$3.00}, XXXX in 30 days. The bill has been paid at least four times over the past 15 years or more. I have called the hospital and clinic they supposedly were collecting money on and they have no record to me ever even owing them a bill. This was a XXXX 's XXXX claim for contracting XXXX on the job. This company has been wiping out not only my personal bank account several times, but also my wife 's personal account and my adult son 's account for a bill NOT OWED. XXXX XXXX, a XXXX, also paid the bill off for us when my wife worked for him as he'd received a garnishment. Also this company garnished her wages for the same bill when she worked at XXXX XXXX XXXX. This company took 50 % of my wages while working as a XXXX worker. My wife and I are currently on XXXX XXXX ( laid off ) and have only unemployment for income. They just wiped all all the family separate band accounts leaving us too broke to even hire an attorney to go after them! 

He has more than triple collected on a fake bill for years now. They have created a major financial hardship. 

Years ago this same company that took thousands of dollars from me for a garnishment for a {$15.00} XXXX check that bounced when we lived in XXXX. We had moved and closed out the bank account not knowing the pizza company had not cashed the check. Researching the company after the garnishments, I found the " so called '' pizza company doesn't even exist and I was charged thousands of dollars for a {$15.00} check. 

NOW HERE THEY COME AGAIN FOR FRAUDULENTLY TAKING EVERYONES MONEY.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. ()

I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, If any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice and I never authorized this agency to report on my consumer profile. 

I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.
Consumer complaint received 2023-07-17
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: Fidelity National Information Services, Inc. (FNIS) (NY)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!