davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (OH)

Amex keeps changing my payment requirements without notification. I have been hacked every day for three years and to protect my account I gave let my balance stay high so the hackers can not make multiple fraudulent charges to my account and pay over the phone with a representative when I need to make a purchase. Several times I have tried to call and make a payment to open up enough credit on my card only to be told I need to pay sometimes as much as three times the amount I need to charge. Last time in Tuesday XX/XX/2021 I needed to charge {$590.00} & pay the remainder of my statement {$220.00} and Amex requested a payment of {$2000.00}. Was told a letter was mailed to my XXXX XXXX XXXX day before on Monday XX/XX/2021 which I would never have revived in time and did not have sufficient time to respond and take steps to make such a payment. This has happened once or twice in the past few months and may also be a stall tactic to enable the car rental company to mess around with my rental car. Separate issue that law enforcement has been notified as XXXX is looking into.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have started to receive repeated phone calls from unknown numbers with area codes from around the country including Colorado, Florida, and Pennsylvania. No message has ever been left. I looked up one of the numbers and found that it was associated with Portfolio Revovery Associates, which I had never heard about. I dont owe any debt to them. Here is a list of the most recent calls with the phone number : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX and XXXX : the XXXX area code number XXXX and XXXX : XXXX XXXX : XXXX XXXX : XXXX There were more calls than this, but thats all of the calls that my phone history shows.
Consumer complaint received 2022-12-19
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)

My name 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 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 2019-06-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

XXXX from Easy Money called my job. An employee, XXXX, told her that I wasnt available and to not call here again. XXXX replied if XXXX doesnt want us to call then she has to call and talk to us. XXXX again told her to not call the office again. XXXX hung up on her.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must REMOVE the listed account from my file. 
XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting 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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-17
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. (LA)

I have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXX XXXX XXXX XXXX # XXXX. 

I have requested that Transunion provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
Transunion has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Transunion DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Transunion personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Transunion is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Ive applied for a home depot credit card over 10 times and there is no response from citi bank. a couple times they have responded with ridiculous reasons for not extending me credit. i have called the manager at the home depot store and explained it as well and they can justify them turning me down, indicating there is something else going on.
Consumer complaint received 2023-04-18
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: CREDIT ACCEPTANCE CORPORATION (NY)

I was never late on the paid off account listed above. please show me documentation showing proof of transaction, showing I was ever late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate items in my file. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-05-26
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. (FL)

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. XXXX and Transunion received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. Transunion said they did not received my request when I called them. XXXX received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

XXXX store credit card with XXXX XXXX. 

I have incurred several late fees and interest charges over the past year due to late payments. They do not allow auto pay, thus setting you up to forget payment and incur penalty charges. I have a XXXX yr old mother and had events come up with her that caused some chaos. I have several other general and store credit cards and this in the ONLY one that will not accpet automatic payments.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name 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 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 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The following late payments are billing errors according to 15 USC 1666b : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All late payments should be removed, I did not get informed prior to these negative items being furnished to my consumer report and it is not making my report equitable for me.
Consumer complaint received 2021-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I noticed this company placed a collection on my credit file in XXXX of XXXX for roughly {$670.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substantiates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. TRANSWORLD SYS INC/55 is clearly a fraudulent company and should be investigated by the proper authorities.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

Yes I have over XXXX total cash in my savings with Wells Fargo they mislead me and had me open a secure credit card over a year ago with XXXX down to secure the card. They are scamming people as they sent me a XXXX dollar unsecured card but refused to i grade my XXXX dollar card knowing they are over 220 thousand dollars just in my savings I am a XXXX XXXX and I wont be be discriminated against or cheated with their secure credit card program which I meet beyond the guidelines to insecure it as I made over 30 payments and always keep a XXXX monthly balance
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I was on holiday in XXXX on XX/XX/2021 and had an incident with my rental car. I thought my credit card had the rental insurance benefit active when I used it for renting the vehicle in XXXX. However, I was informed after the fact that the benefit was not active and had been removed a month ( XX/XX/XXXX ) before I used the card for the rental charge. I investigated and found out that the capital one had sent the notice that the benefit had been removed to my old address which I had changed in XXXX of 2021 to my current address. There was no way I could have known that my credit card did not have the benefit active. I also have another credit card with the benefit, also a visa credit card of the same type, that I could have used! Ive tried addressing this with both capital one and visa and they have refused to honor the benefit. 

Best regards, XXXX
Consumer complaint received 2021-12-16
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -FINANCIAL DATA SYSTEMS # XXXX {$510.00}, -FINANCIAL DATA XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau XXXX XXXX in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( XXXX ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( XXXX ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I have had 2 issues with Freedom Mortgage corporation.

Issue 1- In XX/XX/XXXX I made the decision to pay for my home insurance directly. 
Freedom Mortgage contacted me to say they were going to place a Forced Insurance Policy on my account because I did not have insurance. I informed them there was a policy, and they asked me to upload a copy of the document on MyCoverageInfo.com in XX/XX/XXXX, XX/XX/XXXX ( when I was made aware the issue was not resolved ) and again in XX/XX/XXXX when I followed up. My browser history confirmed I had done this multiple times. To date, I have not received my reimbursement for the cost of their forced insurance coverage. This is the 2nd time they had done this, as they charged me again in XX/XX/XXXX and only credited 1/2 of the policy back to me. 
Over a dozen calls to customer service did not resolve the issue. 
Issue 2- I sold my home on XX/XX/XXXX. The title company paid 100 % of my XX/XX/XXXX tax bill. Thus, all of the money in my escrow account should have been refunded to me in 30 days per Federal Law. As of XX/XX/XXXX, Freedom Mortgage confirmed they are going to pay the county my tax bill, wait for the refund ( because its already been paid ), then send me the balance back within 14 business days after they receive it.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (WA)

Hello my name is XXXX XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (TN)

A collections report was added to both XXXX  and XXXX credit reporting agencies on XX/XX/2020. This report does NOT belong to me. It is from cLark County Collection Services for XXXX XXXX. I have never lived in or resided in Nevada nor have I ever had an Nevada identification to open up any accounts out there. I have been a resident of Tennessee for the last 9 years in which this debt has taken place. This isnt my account. I have no state of Nevada identification to open such an account. Credit reports and background checks do not show any residence or identification in the state of Nevada. This is NOT my account.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I'm writing to discuss a problem I found on my credit report. It says condition of account is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

I applied for my SCRA Benefits for XXXX XXXX XXXX. The Company informed me via phone, that my APR rate would be lowered from at 4.77 % to a 3 % due to the SCRA benefits. However, that never happened. I have been reaching out to this company for over an year now, still no valid response. The only thing I am being told is that the system is down, so they can not apply the SCRA benefits to my account. I paid the car off last XX/XX/2020, and initiated my SCRA benefits with XXXX XX/XX/2020. 

I did not receive anything in writing from this Company, I requested numerous of time and never received anything. 

I do have emails I sent them with my requiring documents, as well as follow up emails tracking the status of my SCRA benefits. 

I was also informed that I couldn't talk directly to their SCRA department, so I was only able to talk to supervisors and they would email the SCRA department directly or provide me with their email, which I have emailed them numerous of time as mentioned.