davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
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. (GA)

I have sent all documents ie police reports identity theft report to Experian on 4 occasions regarding a chapter XXXX filed showing only on experian, it was filed fraudulent and shows dismissed in a one month. I have spoken to the courts that advised me that they didnt verify this information but that it was taken off a website ( pblic records ) they told me they do not report this information and also shows i have complained almost a whole year about getting this off my credit with my social. experian first told me they received information from lexis nexis in which i reported to them and they immediately advised that this chapter XXXX is not on the report and that experian should not be reporting it, I contacted experian for the 100th time and then they said they received it from XXXX bankruptcy which they also stated was false, they do not report or had spoken to anyone to confirm accuracy. can you all please get this removed from my experian report its causing difficulties in my personal living arrangements for my children and I.It was filed and never processed due to no payment. I have been dealing with this for over 10 years with my credit and this is stressful and causing problems
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

We purchased a purse from a business that described it self as Coach, selling hand bag, in leather. Upon receiving the bag we discovered that it was neither a Coach bag nor was it in leather. We contacted our bank, USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX and submitted the information requested. We had tried to contact the merchant but the XXXX number was not the business and also noticed that the item was shipped from XXXX XXXX. 

With that information in hand, my bank further demanded that we either get Customs to validate it was not a Coach bag or to take it to a Coach Store and have them document that it was indeed not a Coach bag. We contacted Coach and were told they would not provide such document. ( why would they want to get involved ) .So our bank has stated that unless we obtain a letter from Coach, the charge back request would be denied and that we are out the money. 

We believe that such a requirement is burdensome, beyond what should be ask from a customer to supply, and unrealistic for a consumer to obtain.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2022, I attempted to use XXXX to transfer my bill payment to my wife for {$330.00}, and I was using a new device to access my bank account. It prompted me with a confirmation request but did not state the user 's name like usual, and the payment was sent to the wrong person, whose phone number was XXXX digit off from my wife 's. Their number is XXXX, and my wife 's number is XXXX. My bank at capital one will not do anything to help me with this issue. I need the transaction reversed. I have reached out to XXXX as well, but I understand their policy is that all transactions are final.
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

I moved out of XXXX XXXX XXXX  and received a final ledger that stated a {$0.00} balance. Upon receiving my credit report, a collection company by the name of Allied Collection services was found to report a charge of {$1600.00} on my credit. Since first reported, it is found that Allied Collections works for XXXX XXXX. The charge has went up to {$1900.00}. 

The charge is false. Also, I never created an account with Allied Collection Services.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I owed this company XXXX dollars my wife has sent 2 checks to this company to pay it off which they say they never received. Both times we canceled the check. I've disputed about trying it pay and they never get our check but every month the report it as a late no payment. Which hurts my credit score. I've talk with them on the phone tryed to resolve the issue was given a lower pay off XXXX dollars. sent check and again they never received it. And again they reported it to the credit agency.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

Lowes credit card issued by Synchrony Bank has added a phone number which can be used to verify my account that I never added. They said to call XXXX at XXXX but they shouldn't be allowed legally to add anything no matter who reports any information especially as a verification method without my consent. I believe this to be wrong and should be addressed.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

Since the beginning of XXXX, Comenity Bank ( for XXXX XXXX XXXX ) has been reporting my " available credit '' as being only {$350.00} even though I have a XXXX balance on my account with NO PENDING orders or BACK-ORDERS. I have repeatedly called Comenity and XXXX to get this matter resolved and they keep passing the buck back and forth and they refuse to get this simple clerical/math problem resolved. 

When creditors check my credit and they are reporting that I have only {$350.00} available credit on my {$900.00} credit limit, they view me as being " credit irresponsible '' for having such an " outstanding balance '' on my account. It's simply not right, and the claim there is nothing they can do to correct it. Several times Comenity reset my available credit, but the next day -- it goes back to the measly {$350.00}.
Consumer complaint received 2023-05-27
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. (IL)

I just received my credit report and noticed these unauthorized items that's wasn't suppose to be on my credit profile. this has been very frustrating after recovering from XXXX. and now I'm trying to get a Home and can't get approved because of it. 

In accordance with the fair credit reporting act XXXX  credit inquires XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-03-01
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. (MD)

I contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. Lastly 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Please remove the late payment status off of my credit report.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

1. I have a USAA MasterCard. USAA wants to switch to XXXX. They have sent me notices that I can " upgrade '' to XXXX. I have responded that I do not want to " upgrade. '' 2. Reviewing my account on line, USAA has arbitrarily opened a XXXX account in my name. I do not have a new card, have not activated an account - but a new account is being shown as open.
Consumer complaint received 2022-12-30
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. (FL)

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (SC)

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NC)

General Motors- GS Bank  XXXX I am writing to formally notify you of a discrepancy in my credit report concerning a late transaction dated XX/XX/year>, which appears to contravene the stipulations of 15 USC 1681a ( a ) ( XXXX ) ( A ) ( i ). This law explicitly excludes certain consumer transactions and experiences from being reported in consumer reports and this is not a personal account. As this entry may adversely affect my financial standing, I request an immediate investigation into this matter and, if warranted, the removal of this entry from any and all consumer reports. Please find attached all pertinent documents and correspondence related to this issue. Please confirm receipt of this letter and inform me about the steps you will take to address this discrepancy and provide evidence/ steps via mail certified! I expect a response within 15 days as mandated by law. Thank you for your cooperation and understanding.
Consumer complaint received 2020-04-16
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. (AR)

I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMG MORTGAGE, INC (FL)

Back in XX/XX/year>, I spoke to CMG inquiring about a lower payment, I was not late on my mortgage and was continuing to make the payments, the rep advised me she would put my account through for a modification to see if there was a way to lower the payment. I received a letter from CMG with a payment plan to make 3 payments of a lower amount than the payment would permanently change, I was advised that the credit report would show a modification and that the XXXX + XXXX payments would be deferred and not show late on my credit, and the report would only reflect a lower payment. However that is not what has happened, I went from being on time with a perfect record to now showing late because they are having me pay less, this is hurting my credit report and I want my credit report restored like I was advised it would do and i had nothing to worry about, this was just the way they had to have me pay in order for the monthly payment to get lower permanently and advised me to ignore any calls or letters as they know the account is good. This is my 1st ever mortgage and the last thing I want is a bad payment history when I have never been late ever. Also the amount on my loan on the credit report shows XXXX and that is another bad mark that is not true, but on my account my balance on their website it is only XXXX
Consumer complaint received 2020-04-16
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: Early Warning Services, LLC (IL)

Despite multiple attempt for early ones to look at multiple documentation from XXXX XXXX XXXX regarding my account early warning systems refuses to correct the status of the account when it was closed. they have literally been most unethical unprofessional people I've ever experience on Earth. I am appalled and disgusted that they have my social security number and personal information. 
I have literally given them documents in a dispute a month ago showing that my status on the account should be settled it should not be unpaid. 
early warning systems refused to follow the law and look at evidence that I already gave to them. they have literally done nothing to fix an error that I have proven to be incorrect.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates ( PRA ) is in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA. 

They purchased debt they knew was from the result of ID Theft and fraud. Notwithstanding, XXXX sold them debt they knew was the result of ID Theft and fraud. I notified XXXX way before they sold the debt to PRA I have notified them on several occasions that I am the victim of ID Theft. My Identification has been stolen by XXXX Criminals from XXXX XXXX XXXX, Sate of California according to the IRS Criminal Investigation Division Special Agent XXXX XXXX. They have been filing false tax returns in my name as well as applying for Credit.
Consumer complaint received 2020-04-16
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have capital one credit cards to raise my credit score, every month paid in full and I never used over 50 % of my limit, and every month they drop my score even if I pay in full. this is not a reason to drop my credit score when I pay in full every month. lowering your credit score is when you default and not pay your bills. XXXX XXXX
Consumer complaint received 2020-04-16
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: Advanced Resolution Services Inc. (TX)

I have tried to freeze my ARS report for the past 2 months, but have not gotten a response. They replied to my last CFPB complaint and said they have not received my letters, but i have 2 certified mail receipts showing that i sent them.
Consumer complaint received 2015-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (OH)

This is n't a complaint about an ATTEMPT to collect the wrong amount, this is a complaint that it ACTUALLY happened. 

I settled with XXXX ( XXXX a debt of {$120.00} for {$100.00} and instead of withdrawing {$100.00} from my account they took the full {$120.00}. 

I promptly called them back about the problem and was told that there is nothing they can do until Monday XXXX XXXX. This happened on XXXX XXXX.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit, Inc (TN)

VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.The have an F with the XXXX XXXX XXXX for that exact reason. Overview of XXXX   Ratings VW Credit , Inc. Reasons for Rating F VW Credit , Inc. Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed against business VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

I am currently on the phone with a representative by the name is Ms. XXXX who is taking. a look at the account to see why my claim was denied.She states I made a statement to a representative that I gave my cousin the card to use to try and see if the bill could be lowered that it was in fact permission to use my card. The problem is that is not accurate I would never give a 3rd party my card without me written consent. I NEVER signed anything or agreed to have my card used. My information was taken in order to see if there was a way for the bill to be reduced but I did not authorize an amount to be paid. I do not understand how they can allow an establishment to withdraw funds without consent period. That is like stealing and they are giving them the right to. If the money was sitting in my account and there was something that happened where another person filed a claim against me using 3rd party the money would just be taken and there would be no questions asked so this is not fair morally and legally questionable as well. I stated to the representative that if they wanted a police report I will be glad to go and get one. She said that I do not need to have one. I do plan on calling the police however, due to the pandemic do not know how long it will even take. I will follow up regarding the matter. Right now I just want the record to reflect that the bottom line is I never gave my card to anyone and I NEVER authorized payment as stated. I sent over a copy of my bill and told them that XXXX XXXX is/was working with me to get the bill paid but now because there was a payment I have to reapply. This payment was as stated and not what they deem it to be. It is unauthorized and therefore should be returned.
Consumer complaint received 2020-04-16
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. (TX)

I spoke to XXXX with XXXX XXXX XXXX  and she assured me that they were reporting accurate information and it is Transunion that is not.