davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

When I found about this account on my credit report, I contacted the company immediately to find out for what the account was. They told me it was for a remaining balance with XXXX XXXX. I never received any notification about any outstanding balance with that company. When I asked if they sent any letter to informed me about this pending balance, they said they sent a letter to a address that I didn't lived there for more than 3 yrs. I agreed to settled this account even if I wasn't sure that I actually owned that balance because was affecting in my credit report and I was told that if I take care of the account they will removed this collection account from my credit report. I paid immediately the amount that they requested me to settled this account because they guaranteed me that the account will be remove it immediately from my credit report. This was stated on a recorded line. I feel this is an unfair for me because it is causing me a financial hardship because I'm having a lot of issues trying g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage, also I feel like it is a UDAPP violation because I feel fooled by this company because it look that they just lied me on that time offered me false promises to remove the account just to collect the money for that debt. I've contacting the collection agency and XXXX  to dispute this account on the credit report but I haven't been received any response or been successful in resolve this matter. This account needs to be removed ASAP from my credit report since I was told that will be removed from my credit report making the payment that I made on that time.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

Please refer CFPB Case # XXXX. I was told that once i met the conditions around XXXX XXXX 2022 cash back bonus of {$350.00} will be applied. After 12 days-it 's not been done. When i sent secure email via account on XXXX XXXX 2022, i was asked to call a toll free #. Called on that # on XXXX XXXX 2022, that # stated ... to get call back within 15-30 minutes, provide your number-which i did but no response. 
whom i am XXXX Finally somebody called ( XXXX ) at around XXXX pm XXXX time onwards and after long hold/wait - I was told that they will call me tomorrow with an update. I feel like I need to keep on asking them to provide my legitimate cash back bonus until I get that.
Consumer complaint received 2023-05-11
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: AMERICAN EXPRESS COMPANY (NY)

I booked a hotel through Amex XXXX last minute on Tues, XX/XX/XXXX. The hotel was advertised as buy 3 nights, get the 3rd free. Great! Sold. Price per night was advertised at ~XXXX pts per night. I used XXXX points and was still left to pay $ XXXX as a balance. In the meantime, a $ XXXX hold was put on my card, an additional {$300.00} hold was put on my card at the hotel, and XXXX points were deducted from my accountfine. I assumed all would shake out after a billing cycle or two, but I was still confused about the rate I paid. 

When I called Amex customer service, I got the runaround and was told I couldn't get my own ITEMIZED RECEIPT of how much they were billing me per night for another 72 hours, well after my stay at the hotel ends. By my calculations, what they charged me was nearly 50-100 % more per night than booking directly through the hotel. However, I can't change my travel plans nor can I confirm this is the case because I can't get a receipt before my stay ends. I can only assume this is because their shady algorithm takes advantage of their own customers looking to book through the platform. 

XXXX XXXX XXXX they literally can not tell me what the advertised price was vs. what I paid, and they can not provide a receipt for 72 hours. I know they hope I'll forget about this, but I won't. Look forward to getting my receipt and getting my money and points back.
Consumer complaint received 2019-12-12
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: DISCOVER BANK (NY)

XXXX XXXX XXXX did indeed take a advance on my discover card i have left messages on the companies answer machine have talked to customer service at discover sent them emails i froze my account i still dont know what happened customer service i get someone different all the time i know i can have the owner arrested i get social secuity i am semi retired when will congress fix our bank what about my credit score
Consumer complaint received 2023-02-27
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)

My name is XXXX 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.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I enrolled my credit card debt with a company called XXXX XXXX XXXX and two of my credit cards are with Capital One. Capital One closed my accounts and accepted the written proposal and deal from XXXX XXXX XXXX for a set amount each month. By accepting this deal it wipes out any past due amounts and reduces the interest rates and fees that allows me to get the credit cards paid off within a 3.5 year period.

Capital one keeps sending me notices stating that i owe 400.00+ on one card for the monthly payment and then 350.00+ for the monthly payment for the other one. This is incorrect and I feel that Capital one is trying to report me to the credit bureaus as late each month even though they have received their payments from the XXXX XXXX and this practice is just unprofessional and bad. They accept a deal but then try to collect more than they accepted.

This company is proving to be dirty and bad and as a consumer I need the CFPB to step in and make this company abide by the deal that they accepted. I could have simply stopped paying on the cards and defaulted but I did not want to do that and now they try to treat me like this. They are in blatant violation of this agreement and they need to be investigated for it.

They have no choice but to report my credit card as current each month because they have accepted an agreement from XXXX  for a specific monthly payment and they have been receiving those payments each month. This is simply a case of a credit card company trying to extort more money from me outside the terms and conditions of the credit counseling group. They need to be held responsible for any and all incorrect credit reporting they are doing to me.
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (KY)

I have a current loan through Upstart. When I switched banks, I no longer had any money going into the account that was on auto pay. I have attempted to reach out to Upstart via email several times as I am unable to log onto my account as I do not know the email address I have on my account. I have sent XXXX emails to Upstart over the course of several months. When I stopped getting a response on my XXXX email ( XXXX ), I emailed them from my other email ( XXXX ) where I immediately received a response. It has now been several months and I have not received any communication from Upstart. Because I do not know the email address I have on file, they refuse to help. I have offered to verify any information they would need including my name, DOB, SSN, address, and loan number and all they ever respond with is they can not verify me without using the email on file. Upstart is reporting my payment as 90 days late to the credit bureaus, stating I missed XXXX, XXXX, and XXXX payment when I can prove they have taken my payment for the months of XXXX, XXXX, XXXX, and XXXX. Since I have been denied access to my account and they have refused to help me resolve this issue, I have requested the balance be removed as my obligation and all communication has since seized with the company. I have filed a complaint several times with the XXXX that was closed due to upstart stating they reached out to me and they have yet to send me any communication whatsoever. I have requested several times through the XXXX  that upstart submit their communication though the complaint as proof it was sent and received, and have been met time and time again with no communication. I have attached my email threads with upstart, where they have been zero help. I have attached a screenshot showing my payment is several months late, and screenshots showing the payment has been deducted from my checking account on the due date every single month. I truly do not know how to rectify this situation when the company is refusing to help and my credit report is being negatively effected with several late payments reported.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-24
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. (NJ)

15 U.S. Code 1681 states that if information on my consumer report isn't 100 % accurate that it should be blocked and removed from my consumer report. If XXXX XXXX  XXXX is reporting information to Transunion and XXXX the information should all be the same. 

On the Screenshot of my credit report that I have attached ( The Date Opened ) and ( Date Last Active ) is inaccurate. All information being reported should be the same and it isn't All 3 parties are working together to destroy the quality of life by reporting false and damaging information to my consumer report.
Consumer complaint received 2023-02-26
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. (MO)

XXXX XXXX XXXX XXXX, XXXX ( 4 yrs, 10 mos ) {$170.00} 08 XXXX XXXX XX/XX/XXXX ( 11 mos ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX does not belong to me
Consumer complaint received 2023-02-27
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. (TX)

In accordance with the fair Credit Reporting act XXXX Account 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,
Consumer complaint received 2022-10-24
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-02-27
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-27
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 again. the accounts that I am disputing for verification on my last complaint dated XX/XX/2023, have not been verified yet. they are still reporting erroneously on my credit report. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

OHIO DEPT OF HUMAN SERVICES 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 2023-02-27
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. (NY)

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.
Consumer complaint received 2023-05-24
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)

Letter to all 3 credit bureau 's Collections : XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX CREDIT XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, XXXX {$380.00}, XXXX XXXX BANK, XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX XXXX Balance {$9300.00} Date Opened XXXX XXXX, XXXX, Original creditor : XXXX XXXX XXXX Closed / Charge Off : XXXX. XXXX XXXX XXXX XXXX Report XXXX : XX/XX/XXXX Balance {$76.00}, Credit Limit {$200.00}, High Credit, Available Credit {$120.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX XXXX. XXXX Report Date : XX/XX/XXXX Balance {$1000.00}, Credit Limit {$750.00}, High Credit, Available Credit $ XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XX/XX/XXXX XXXX. XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$0.00}, Credit Limit {$150.00}, XXXX XXXX  XXXX XXXX {$150.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name 12 XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, Balance {$380.00}, XXXX XXXX XXXX, Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I am disputing the validity of the above listed collections and closed/ charged off account. I request to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my wet signature. Name and full address of the original creditor. Payment history and itemizes billing to go with all collection and closed/ charged off accounts listed above. Proof of ownership from the listed collection company and the closed/ charged of accounts listed above. If you cant provide me with this information within 30 days, I demand that these accounts be remove from my credit report immediately as neither your agency nor I can verify that they are reported accurately. 
Sincerely, xxxx
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX was suppose to close my account in XXXX but somehow did not do it. I had not used the account for over 10 years and also moved out of XXXX  in XXXX to XXXX. Not knowing that a company out of the blue added a charge onto my card that was supposed to have been closed years ago without my approval. I only found out because my FICA score had dropped from XXXX to XXXX. I reported it to XXXX XXXX and they supposedly did their investigation for a total of XXXX dollars. They said it was mine even though I had not used this card that was supposed to have been closed 10 years ago. It was resolved in XXXX but than they reported it again to Experian and lowered my FICA score again. I keep telling them this is not my charge, I did not authorize it and I haven't done business with you in over 10 years. So they've lowered my score over XXXX dollars that I had no idea was happening because I did not get any emails or paper mail from XXXX XXXX. I want my FICA scored corrected and XXXX XXXX out of my life forever. 
Its been so long since I've done business with XXXX XXXX I have not credit card numbers, receipts, or any other documentation from them.
Consumer complaint received 2019-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (UT)

I had a prior loan with this company and refinanced it, on XX/XX/XXXX i refinanced my current loan, they automatically take the payments out of my bank every other week, ( on my payday ) While i was vacationing i had my bank account compromised, i called Rise and informed them of this and told them one payment would not clear but all subsequent payments would be fine, they then continued to take 6 payments and applied all to interest due to the one missed payment, but did not explain this missed payment would do this to my account, finally in XXXX i got a supervisor that credit one payment as interest only but I still do not feel taking over 600.00 in interest only payments due to the misfortune of my bank being compromised was fair to me nor did they explain to me this would be the case, they did not offer me options like a deferment to prevent this until 6 months after the fact. the payments that did not include any principle payment were dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as shown on my invoice attached.