davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
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. (IN)

Experian and XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but Experian and XXXX  keeps verifying this accounts. Also, when I called the company they responded that Experian or XXXX  did not send them all of the verifying evidence to confirm each account is unverified
Consumer complaint received 2021-10-11
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. (FL)

The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NC)

I FILED A COMPLAINT AGAINST AVANT CREDIT CARD SERVICES IN REFERENCE TO AN ADDED FEE ON MY ACCOUNT AND THEIR INABILITY TO EXPLAIN WHY IT WAS POSTED TO MY ACCOUNT. I HAD CALLED ON XX/XX/2023 AND PAID MY ACCOUNT IN FULL. I RECEIVED AN EMAIL FROM THE COMPANY STATING THAT I REQUESTED THAT MY ACCOUNT BE CLOSED. I NEVER MADE THAT REQUEST. I REQUESTED THAT THEY REMOVE THE FEE THAT HAD BEEN PLACED AFTER RECEIVING PAYMENT. I DO NOT FEEL COMFORTABLE RESPONDING TO THEIR EMAIL BECAUSE OF THE LACK OF TRUST THAT I HAVE FOR THEM TO DO THEIR JOB. MY ACCOUNT IS PAID IN FULL AND I DO NOT WANT IT CLOSED. CLOSING THE ACCOUNT WILL DAMAGE MY CREDIT SCORE AND I DO NOT WANT THIS.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a phone call XX/XX/21 at around XXXX. They said they were portfolio recovery but would not tell me what I owed. I do not have any debt and they didnt have me verify myself in any way. All they asked very quickly as soon as I answered the phone is are the last 4 digits of your social security number XXXX. I asked who am I speaking with they said its an attempt to collect debt. That they were with portfolio recovery.
Consumer complaint received 2021-10-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still havent heard a response.
Consumer complaint received 2023-03-07
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. (CA)

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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Account number XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number XXXX XXXX DEPT.OF SOC.SERV.-CHILD SU Account number XXXX XX/XX/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 2021-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had contacted Capital One regarding charges on my credit card that I did not authorize, I did not benefit from nor did I make those charges. 

Billing statement XX/XX/XXXX -XX/XX/XXXX shows a credit from Capital One for the unauthorized charges and or fraud charges. 

That credit is not reflected in the balance owed, since Capital One sold the account to XXXX XXXX XXXX around XX/XX/XXXX since I refuse to pay for charges I never authorized nor did I make. The balance that XXXX XXXX XXXX is {$2000.00}. 

I contacted XXXX XXXX XXXX asking them to remove the collection account that is being reported to the major credit bureaus as a collection. I explained in writing to XXXX XXXX XXXX that capital one sold them an account with unauthorized and or fraud charges on it. That the entire balance is of unauthorized and or fraud charges. 

XXXX XXXX XXXX has refused to delete the collection account from the credit bureaus.
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (MO)

I received a phone call from XXXX in XXXX, Nebraska. The caller did not identify the agency, but after verifying my information said she was collecting a debt from Comenity Bank. The caller, whoever they are never sent a letter notifying me that I had a right to dispute the debt, before calling me and trying to collect it. Other than the phone call today, I have never had any communication from anyone regarding the debt. This is a clear violation of the Federal Fair Debt Collections Act.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK (MN)

Re-open complaint XXXX. CFPB has marked this as a duplicate. IT IS NOT A DUPLICATE. 

I have two Discover accounts. One ending in XXXX. One ending in XXXX. Both have the same issue. I have the complaint opened on each of them so that both cards are addressed and not just one of them. If I only had one complaint, it would only get resolved for the one account and not the other. There is a ligament reason for having to complaints open and I wish that the CFPB would have reviewed these complaints more closely and they would have noticed that they were DIFFERENT ACCOUNTS and not a duplicate.
Consumer complaint received 2021-10-11
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: National Credit Systems,Inc. (SC)

I have been disputing an item on my credit report through XXXX since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, national credit systems that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.
Consumer complaint received 2024-02-29
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXXXXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (TN)

Way to go bank is a card holder for XXXX XXXX  for government benefits. I had fraudulent activity on the account now they are refusing to send me a new replacement card and charge back on the transaction dispute.
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

Debt Validity Dispute I started working as a XXXX in a XXXX XXXX on XX/XX/XXXX, I signed a new contract ( including a credit app ) with a company ( XXXX ), this supplier will provide our XXXX with their products ( XXXX XXXX XXXX, and XXXX ). 

we got a new account number ( XXXX ), and they supplied our store with their product for more than two months, after that XXXX sent me a letter on XX/XX/XXXX that we have an unpaid balance amount of XXXX $ for the period XX/XX/XXXX to XX/XX/XXXX, I contacted them on the same day and clarify that there are two different accounts for the store, owned by different persons ( XXXX Before XX/XX/XXXX and XXXX after XX/XX/XXXX ). 
unfortunately, No response from the company. 

I have Emails show that the second account is fully paid. 

After one month a collection company contact me on XX/XX/XXXX, they asked me to pay the unpaid balance, I explain to them that the balance you asking for is not mine because it is very clear the credit app I signed as a personal guarantor for the store dated on XX/XX/XXXX and the balance you asking for is before this date, so how I will be responsible for a debt owed before I signed the credit app, and the account number for the unpaid balance is different ( XXXX ), I provided the collection agency with different documents proofing my statements and what I alleged, they reply by an email after two days ( thanks for the detail ) with only one sentence, I thought that they understand the situation and decided to stop considering me accountable for this debit, and the story end. 

But after three months, on XX/XX/XXXX I received an email from my bank mentioning a negative activity on my credit score, I checked my account and I found an open collection By ( Caine & Weiner ) for the creditor XXXX XXXX, I requested verification documents for the debit from the collection company on XX/XX/XXXX by email, and the second time I sent an email on XX/XX/XXXX and a certified mail on XX/XX/XXXX requesting the verification documents, Unfortunetlly No any documents sent to me or mailed.
Consumer complaint received 2021-01-07
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. (SC)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

I had received a statement from National Recovery Agency dated from XX/XX/XXXX stating that I had a debt owed from PA XXXX XXXX in the amount of {$1900.00} from XX/XX/XXXX. I had sent an email to them on XX/XX/XXXX asking them to verify the debt, and on XX/XX/XXXX Team Lead XXXX XXXX had responded to my email stating that the account would be notated as being in dispute and requested our client mail an itemized bill to the address on record. To date, nothing has been received. I had received a notification to my email today, on XX/XX/XXXX that a new collections account from National Recovery Agency had been opened on my XXXX credit report with the opening date being XX/XX/XXXX, prior to informing me of this potential debt. There has been no attempt on XXXX XXXX XXXX end to validate this debt.
Consumer complaint received 2021-10-09
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 have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-01-07
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: AMERICAN EXPRESS COMPANY (CA)

This is with regard to the XXXX XXXX XXXX Credit Card Account Number ending is XXXX for XXXX XXXX XXXX. I have previously disputed the following charges as per fax in XX/XX/2019. These charges were removed from the account but has been reversed back into the account. These disputed charges total {$4000.00}. 

Also, I was told by Amex Customer service that the late fees and interest charges put on the account related to these charges will be removed in 2019 but they were not removed. Those charges total {$370.00} in late fees and {$2500.00} in interest charges. Hence, I am disputing a total of {$7000.00} in charges ( {$4000.00} in disputed charges, {$370.00} in late fees related to these disputes, and {$2500.00} in interest charges related to these disputes ). 

I was told by American Express that theses charges will be removed as soon as possible but the account was instead put into collections and charge-off.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (SC)

There are 2 listing of the same account reporting on my credit reports for Western Funding Inc. I've contacted contacted company numerous times to have this issue resolved and get no solution. Both accounts show the same inaccurate information, a delinquent account for {$7700.00}. It's a duplicate account. 

XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-03-06
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. (FL)

On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my credit report
Consumer complaint received 2021-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MA)

THIS IS NOT A DULICATE COMPLAINT BUT XXXX REACHED OUT FOR COVID RELATED HARDSHIP ON XX/XX/XXXX WAS PROVIDED INTREST EXT ON LOAN ENDING XXXX//XXXX  SAID CALL BACK ON XX/XX/XXXX AND WILL GET ASSISTANCE THE SAME ON LOANXXXX .CALLED TODAY WITH XX/XX/XXXX @ LENDING CLUB GOT NO SATISFACTION / NO ASSISTANCE/ REQUESTED ESCALATE I HAVE TAKEN XXXX PAY CUT AND TAKEN IN 2 DEPENDENTS WITHOUT BENEFIT OF SUPPORT /CALLED AGAIN REP OFFERES PLACE IN A MODIFICATION WITH NEARLY SAME PAYMENT!!! I HAVE TAKEN A XXXX  YEAR PAY CUT DUE TO COVID AND TAKEN BACK 2 DEPENDENTS DUE TO COVISD WITHOUT BENEFIT OF SUPPORT DUE TO COVID, NO ONE WILL GET PAID IF THIS IS THE WAY THEY PLAYING IT
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (LA)

Beginning XX/XX/2020 I begin to have problems with my USBANK RELUACARD. My unemployment benefits are deposited to this card. Ive never had any problems until I moved this month. On XX/XX/2020 my balance was available but my account was blocked. After being on hold with customer service for 45 minutes to an hour, I was told my account was in the fraud department. I was instructed to send my government ID & a selfie to verify.usbank.com/id. On XX/XX/2020 I received another call from the fraud department stating I needed to resend my ID & selfie because it was unclear. Again I sent the information. Here it is XXXX XXXX and another check has posted. But because of their neglect in processing my information I am without electricity, food or gifts for my family. I called again this morning and got the same run around that Ive gotten a week ago. The CSR all say they would put in a ticket and send it to escalation department. I hung up and tried another number where the CSR explained that there was a message on my account had a note from the escalation department from XX/XX/2020 stating unable to lift block. Why the previous CSR didnt relay that message is applauding to me. After 2 times of send ID/selfie Im still unable to access MY benefits. As if life isnt hard enough because of the pandemic now I have to wait for another 5 to 7 days. Tomorrow Friday is XXXX so that is an additional delay. 
I have put in a complaint about this company before to no avail. THIS ON TOP OF UNEMPLOYMENT BENEFITS POSSIBLY EXPIRING THIS WEEK NOT BEING ABLE TO SUPPORT MY FAMILY IS EMOTIONALLY DEPRESSING. I intend to file a lawsuit for emotional distress, and my wages that are an available balance as of this date {$410.00}