davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXXXXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2020-06-14
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. (NY)

Try to dispute an account that is over 7 years old. XXXX XXXX XXXX repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with Experian. I tried disputing it twice throught Experian both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. XXXX wrote off the account and are now trying to double dip 7 years later and Experian is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains
Consumer complaint received 2020-08-04
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: Avant Credit Corporation (KS)

I sent written notice to cancel my card. Fraudulent charges were made on the account, after cancellation. Avant refuses to remove the charges and continues charging me interest and fees on these fraud charges that, at one time, they said would be removed from my account. 

I tried resolving these issues on several occasions and have been given a run around by Avant, spending hours being transferred and calls dropped.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (TX)

Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Novea Portfolio Management LLC (MT)

XX/XX/XXXX XXXX XXXX  and I called them back at XXXX XXXX  -- received a call from Novea Portfolio stating that they were going to take legal action against me. He stated that they would get a judgement against me. I informed them that the debt is being handled by XXXX XXXX XXXX and they stated were not legal representation and would not talk to them. The man then began to get angry, yelling at me, while I was trying to explain that we signed a Power of Attorney that gives XXXX XXXX to work on our behalf to resolve the debt. He hung up on me. ( phone number XXXX ) XX/XX/XXXX XXXX XXXX- I called Novea Portfolio back to try to give them the information for XXXX that the first guy would not take. I talked with a XXXX. He then proceeded to do the exact same as the first guy, yelling at me and threatening legal action. At this point he would not take the information and I hung up. ( phone number XXXX ) XX/XX/XXXX XXXX pm- XXXX XXXX me back from an XXXX number to which he told me they would be pursuing legal action against me. ( phone number XXXX ) This account has been with XXXX XXXX XXXX since XX/XX/XXXX.
Consumer complaint received 2020-04-14
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. (CA)

I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX XXXX and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK (CO)

Made a payment on XX/XX/2019 for a XXXX XXXX, and traded the XXXX XXXX in XX/XX/2019. I traded the XXXX XXXX in on a XXXX XXXX from XXXX XXXX on XX/XX/2019. An automatic withdrawal was made from my primary checking account at XXXX XXXX XXXX {$430.00} on XX/XX/2019 for the XXXX XXXX I previously traded in. I called commerce bank where the XXXX XXXX was financed through, and they directed me to call the dealership as no payoff payment had been received on this vehicle. I called the dealership, who said they cut the check to commerce bank, and stated they had sent payment the day XXXX took possession on the XXXX XXXX, and that I should contact the bank about the lost check. The bank told me that they received a check in XXXX that was back dated to XXXX, and that any over payment would be returned to me. Now I have documentation that the loan was payed in full from XXXX, but fails to show any refunded payment amount for XXXX.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have filed two credit disputes with Experian in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. Experian responded to my first request. The response letter was dated XX/XX/2020. Experian stated on page 1 the following, " The company that reported the information has certified to Experian that the information is accurate. Experian obtained through a third party vendor XXXX. '' I know for sure that Experian failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Consumer complaint received 2020-04-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

I was four days late making the payment. Only because they do not give you an option to pay online. They required I come in. I was avoiding doing so because we are in the middle of a virus epidemic. I have never been later before, ever.They called all my references repeatedly harassing them to have me call them. I called when I was able to, to say I would in fact make the trip in on the coming Friday to pay them when I got some money. They told me it was to late and I had been sent to collections after just four days. Now they are harassing me about paying the balance in full. Calling me at work and all hours of the day. I tried to explain that right now I just don't have the money. They are taking advantage of people who are struggling right now and sending people to collections during this epidemic. I offered to pay what I could when I could and they do not want to accept. I am a single mother who is struggling right now. I have lost hours and pay during this time.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I needed to create a stop-payment. The bank representative stated they do not allow for a stop payment based on the check being " vendor initiated '' This violates my right to stop check payments. I spoke to numerous representatives and finally XXXX employee id XXXX
Consumer complaint received 2020-04-14
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: ALLY FINANCIAL INC. (NJ)

I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX  WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX AND XXXX  BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX  AND XXXX AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
Consumer complaint received 2020-04-14
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 contacted TransUnion via certified mail to inform them of FOUR unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX ( inquiry date of XX/XX/18 ) 2. XXXX ( inquiry date of XX/XX/2018 ) 3. XXXX XXXX XXXX inquiry date of XX/XX/18 ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/2018 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-31
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXXXXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-14
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: Experian Information Solutions Inc. (LA)

XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (LA)

XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I contacted Chase Bank on XX/XX/2023 about my paycheck being held for 7 days. I was told they would not release the funds due to them not having a way to verify the funds. Chase is violating regulation CC and also refused to give me access to {$200.00} on the next business day which is a violation of federal law.
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (AZ)

Discover Card, headquartered XXXX XXXX XXXX XXXX, XXXX, IL XXXX operates in interstate commerce as a debt collector for merchants within interstate commerce, and as such Discover Card/XXXX XXXX CEO fail to comply with the provisions of Fair Debt Collection Practices Act, 15 USC # 1692 -- 1692p. Discover Card does not comply with sections 808 & 809, Discover Card financial relation/ in essence conspiring with merchant XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX involving unauthorized charges of {$50.00} mo. XX/XX/2020 and following. DiscoverCard is similarly involved with other merchants and is not an unbiased third party regarding merchant debt collections.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX  XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate debt
Consumer complaint received 2024-03-20
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX, I purchased an XXXX XXXX computer ( ORDER # XXXX, with XXXX TB Hard Drive. After just a few months, I started to notice the computer was defective. While researching, I checked the specs on my computer, and realized that I was shipped the wrong item. I had purchased XXXX terabyte of storage, but the computer I was sent contained about 25 % that amount. Because I was sent a less-expensive, inferior product, and due to the defective device, I called Amazon and negotiated a return and full refund. The representative told me very clearly, several times, that first, a partial refund would be processed ( the total amount, minus {$200.00} ) and that as soon as it processed, I should call back to have the remaining {$200.00} refunded. The representative stated several times that this would be no problem, really emphasizing this fact. When the initial amount of the refund was processed, I called Amazon to have the remaining {$200.00} processed. Amazon refused. I told them that they have a recording of the representative telling me the additional {$200.00} would be refunded to me. They acknowledged that I was told this, saying they are not disputing the fact, simply that they refuse to comply with what I was told. On XX/XX/XXXX, I filed a dispute in the amount of {$200.00} with Synchrony Bank, who issues the Amazon credit card I used for the purchase. I received several voicemails saying that they are processing the dispute, and XXXX letter saying it would be resolved within 60 days. I checked my account online and followed-up several times, but was given no information, other than that the 60 days had not been completed, and there were no updates. Today ( XXXX ), I called for an update. I was told that my dispute is still open, that they don't know the status, that the " department '' that handles disputes has no consumer department or phone number, and that Synchrony Bank can not contact Synchrony Bank to get an update. I mentioned that it has been more than the 60 days I was promised since I filed the dispute, and was told that they have no idea when I will get a resolution, what the status is, or even if anything has happened other than the dispute being received. This is not a case of simply not liking a product. Amazon clearly sent me the wrong ( defective ) product, and mislead me. Amazon lied to me, acknowledged it, and refused to fix their error. Synchrony Bank has not upheld their promise to me. I just want my {$200.00} back.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called TransUnion and spoke with a CSR name XXXX. I explained that I was a victim of their inquiry issue. ( I explained that this was their fault due to TransUnions server error, and that is is illegal for the company to place these inquires back on my report without proper and accurate verification or notification to me in writing that these inquires would be re-added ( FRCA 611 ). The inquiries that need to be remove are : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ) ( XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX )