davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hidden Oak Group, Inc. (MA)

There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my XX/XX/2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company XXXX XXXX XXXX starts on XX/XX/2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2021 Experian reported information on my account that I deem incorrect. I lost over 30 points on my credit report from a mortgage inquiry. I t reported a remaining balance on a installment loan that did not exsist on my credit report. I also lost points saying I have a short credit history with over 7 years of credit reporting.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

When I applied for credit with Comenity Bank they approved me for a {$2000.00} limit, on XX/XX/XXXX. My yearly income is {$43000.00} and has not changed since I received this card. I have paid them on time ever month and paid it in full at times. My payment on XX/XX/XXXX was {$1700.00} ( paid in full ). I used my card again and paid the balance of {$410.00} on XX/XX/XXXX. 
On XX/XX/XXXX, I logged onto my comenity bank account and noticed my credit limit was dropped to {$750.00}. I called comenity bank XXXX and spoke with customer care, I asked the lady why was my credit limit decreased? Her response was, we sent you a letter on XX/XX/XXXX but here are 2 phone numbers for the credit reporting agencies, I called but you cant talk to a human. I called comenity bank back and spoke with a second customer care lady, told her I was not able to speak to a human with the numbers they provided me, she said hold one moment and I will connect you, I was not connected. I called a third time and spoke with a supervisor, he informed me a letter was sent out and i should get it Monday, ( I haven't ), I said just tell me why my limit was decreased, he said the letter is coming from the reporting agencies so, he is not sure what it says.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (SC)

I have a Synchrony XXXX Mastercard that gives points for purchases made with the card on XXXX. I have XXXX points that are available to redeem, but there is no way to redeem them through XXXX. I have made multiple phone calls to Synchrony, who then referred me to XXXX, and then XXXX referred me back to Synchrony. Five months ago Synchrony stated they would credit my account statement for these rewards. Four months and three phone calls later, there has been no credit to my account, and now they are referring me back to XXXX stating Synchrony Bank is not responsible for redemption of the points. My card agreement is with Synchrony and they are responsible for this. 

I also filed a complaint with the XXXX  XXXX  XXXX  two months ago and this did not help resolve the issue. XXXX CASE # : XXXX. 

I have been in banking for 20 years and stongly believe this to be a UDAAP voilation. They advertised a rewards points card, and there is no way to use them.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX of this year I paid off my current balance with XXXX XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX I checked my credit reports and noticed a hard inquiry that I had not authorized for Capitol One-XXXX. I reported fraud and froze my accounts XXXX, XXXX, XXXX. A few of those indicated I needed to contact capital one which I did that week via phone call. I thought they took care of the fraudulent inquiry. However I went to check my reports today as I am getting ready to purchase a vehicle. I noticed the inquiry was still on my account. I again contacted each agency to dispute
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Consumer complaint received 2021-11-17
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. (FL)

Even though their own policy states a consumer can make comments they never have allowed them to be posted. Fact ... a multiple number of reports to confirm that. 
Their latest report another confirmation of their failure ... .rept file XXXX illustrates that deliberate omission. Furthermore they have a number of incorrect cell and phone numbers years old. If we throw in the fact that foreign person 's have access to AMERICANS PERSONAL critical INFORMATION because THEY ARE AN English company located there speaks to the hidden lie protecting you data. When we add all the companies that are allowed to continually access your report there is no way you will ever achieve a good credit score and lenders themselves confirm by fact the Fico score provided by the bureau is always wrong by 40 points or more and do not even come close to each other 's scores. Sadly these facts by opinion are an indication of the great facade of credit reporting.
Consumer complaint received 2021-08-24
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: ACIMA CREDIT, LLC (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern, I have sent dispute letters to Equifax, XXXX  and XXXX to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX.

2. Round 2 was sent in XX/XX/XXXX.

3. Round 3 was sent in XX/XX/XXXX.

4. Round 4 was sent in XX/XX/XXXX.

I have charge offs remaining on each credit report from Equifax, XXXX  and XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX   and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.
Consumer complaint received 2020-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 9 mos ) for {$700.00} - This is not accurate and needs to be immediately removed. Please fix this issue as it's messed my ability to get credit for myself.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klima, Peters & Daly, P.A. (NY)

I was not properly served and no longer live at the address that the courthouse has for at least the last 7 years. My ex mother in law called me about a month ago stating that she had received from the courthouse with my name on it and if I wanted her to open it. Otherwise I would have never known. I tried calling the law office of peroutka and peroutka to figure out what was going on. The lady that answered the phone was very rude and unempathetic. I asked if there was any way to stop this wage garnishment that had gotten approved 8 years later and told me that the only way to stop it was to pay the amount of almost {$2000.00}. In the last 8 years I have not heard or received anything from them at all and she was also going to send me a copy of the judgement to my current address which I still never received nor a copy of the wage garnishment. I am a single, divorced mom that has bills and expenses to pay for a teenage daughter and is going to definitely cause a financial hardship. I also currently have 2 credit cards currently with XXXX  XXXX.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2019, my husband and I attempted to book a flight from XXXX XXXX to New York on the AMEX Travel website. We received an error message indicating that the flight we attempted to book may or may not have been confirmed and that we should call AMEX Travel to confirm the status of our attempted booking. We subsequently did just that and called AMEX Travel to address the matter and were informed that our first attempt to book our desired travel did not go through. The AMEX agent on the phone then tried to book our desired flight and stated that it did not go through on her end as well. She advised that we try the next day on our own on the website. 
On XX/XX/2019, we were finally able to book a flight, though it was different from the one we initially desired and at a higher cost. On XX/XX/2019, I checked my statement and to my surprise, I saw charges for one of the attempted travel bookings on XX/XX/2019 that the agent informed us hadnt been confirmed. We never received an email confirmation for this travel. Had we received one, we wouldnt have booked travel on XX/XX/2019. There were two charges that posted for XX/XX/2019, each {$300.00} ( charge # 1 reference : XXXX, charge # 2 reference : XXXX ). 
Upon seeing these charges, I called American Express to walk them through the above and resolve the matter. I waited three hours on the phone with them and was informed that a case was logged and I would see resolution to my issue within the week. Further, I was told not to worry about paying for these charges. I hadnt heard from them all week and called on XX/XX/2019 to follow up on my concern. In my follow up call, I learned that the case is still ongoing. 
Even though I was told to not worry about these charges, I was levied a {$35.00} late fee charge on XX/XX/2019 ( reference ID : XXXX ) and an {$11.00} interest fee on XX/XX/2019 ( reference ID : XXXX ). 
The total sum I am disputing with them is thus {$640.00} ( {$300.00} + {$300.00} + {$35.00} + {$11.00} ). I really would like this resolved quickly and have been waiting very long to see a resolution to the mistake made by American Express. They are making me pay for their mistake and Im spending the time to follow up on it, which isnt very fair.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Law Office of Michael J. Scott, PC (SC)

DATE:XXXX-20 COMPANY : XXXX XXXX XXXX Michael J. Scott XXXX XXXX XXXX Scott & Associates , PC ISSUE : Ive NO CONTRACT with these entities and have been disputing this for some time as your files will show. As soon as I disputed here they illegally noted derogatory trade lines on my credit.They also illegally impersonated an officer of the law showing up to a residence and spoke to people they believed associated with me fully disclosing procedures against me. They violated numerous FCRA FTC and TILA Statutes by way of not responding to over 33 written certified correspondences from myself asking them to verify and provide information specifically requested which they refused to do. During this time they filed a lawsuit against me where I do not reside serving someone else. Thankfully I was alerted of this information and filed a motion to quash service of summons and motion to dismiss.I also filed a complaint with the attorney general as well as the FTC and Federal Reserve. On XXXX-20 they legally DISMISSED all allegations ENTIRELY against me by way of filing with the courts. MY CREDIT REPORT IS INACCURATE NOT REPORTING THIS AND NEEDS TO BE FIXED IMMEDIATELY. I PLAN ON FILING FEDERAL RICO CHARGES FOR THEIR CONTINUING CONSPIRACIES AGAINST ME SHOULD THIS NOT BE REMEDIED ASAP.PLEASE REQUEST THEY PROVIDE YOU WITH COURT DOCUMENTS SHOWING THE INACCURACIES AND THAT THEY REPORT TO XXXX  XXXX  AND XXXX  ALL EQUALLY WHICH HAS SIGNIFICANTLY BEEN LOWERED BY INACCURACIES AND LOWERED MY FICO.I REITERATE I DO NOT HAVE A CONTRACT WITH THEM AND THEY HAVE AGREED BY FILING WITH THE COURTS THEY HAVE DISMISSED ALL ILLEGAL ACTIONS UPON MY CREDIT WHICH HAS YET TO BE REMEDIED.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX AUTO  XXXX Balance Owed : {$4200.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance Owed : {$700.00} XXXX XXXX  XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2019-06-26
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: EQUIFAX, INC. (FL)

Equifax is reporting 120 past due on the USDEPTOFED partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account has not been updated in well over ( 6 ) months. Please update this  account to report accurate information. This incorrect reporting is harming my credit score.
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (SC)

There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 a requested unfreeze of my consumer report, ( of all XXXX major credit bureaus ), what Experian calls a Thaw, for purposes of applying for Bank accounts and Credit Cards, was supposedly in process. After applying to numerous banks and credit card companies, they all replied " Unable to process, credit reports are frozen, return when reports has been unfrozen. '' Numerous requests to unfreeze was made with same reply " still frozen ''. 
All the while I've received alerts from Experian that requests for credit reports were blocked. 
In the process of identifying me, the questions asked made me feel as if they may be others using my identifiers to apply for mortgages, loans, and cars.
Consumer complaint received 2020-02-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am writing again about Ace Cash Express debt collection tactics. I was contacted today, XX/XX/XXXX by a woman calling from XXXX saying that she was calling about a court case and that I needed to call XXXX case # XXXX or officers would be at either my home or job by the end of today. I didn't call the number because it seemed to be a scam. I then got a call from my mother and she said she got a call from someone saying that I was being sued and will be arrested if I didn't call the same phone number. My mother was very scared and upset. I called the number back only to find out that it was someone calling about a XXXX loan that I got from them in XXXX. She said the with interest and fees the amount owed was XXXX. She then said that because they are having to sue and file fraud charges against me that I will now owe over XXXX I told her that they couldn't do that, and that I would not be paying it. She then kept repeating the threats of court and arrest until she ended up hanging up on me as I told her that what she was doing was illegal. I have now gotten a call from my ex-husband who lives in Tennessee saying that he received a voicemail message on his cell phone saying that there was a court case against me and for him to tell me to call them. We have been divorced since XXXX!