davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
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: GLA Collection Company, Inc. (KY)

I agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.
Consumer complaint received 2023-03-18
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: National Credit Systems,Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (GA)

In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2019-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/2019 I ordered catering for my brothers funeral in the amount of {$710.00}. Currently I have a balance of {$130.00} on this card. Received a text message from capital one asking if I was authorizing purchase - I immediately responded yes. Caterer tried to run my credit card 8 times - all declined. Received an email from capital email on XX/XX/XXXX asking if I was authorizing purchase - since I thought I would be charged on this visa I responded no as explathe transaction was declined 8 times even though I immediately responded to their text message on my cell phone, I had to use my MasterCard to pay on XX/XX/XXXX. Highly embarrassed and caused further emotional stress during a very difficult time - there should have been no problem once I ok, d the transaction. Caterer kept asking me if I was over my limit.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Purchased mattress with XXXX XXXX  Credit card promotion, where if you set up automatic payments, there was XXXX interest. I was told the whole process was automated, including a balloon payment at the end. However, the balloon payment was not automated, so when it didn't happen, I was charged deferred interest charges of {$2900.00}. I have paperless statements with this account and usually get monthly emails with balance. I had not received an email for the last 4 months, and when I received it this month ( XX/XX/XXXX ), I saw the higher balance. I called them to see if they could waive the charges but they said I was outside the 30 day waive window. My issue is that I was unaware of this charge because I understood the whole process to be automated including balloon payment, and I received no email statement saying that I needed to pay it off, only an email when it was 2 days outside the waive fee window.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I get emails from " Consumer Refunds and Pmts XXXX '' telling me I opted in for online statements. I am unable to login to the website because I no longer have any of these cards, and there seem to be no other options for me to find out if I actually have a card or to shut down the email messages. It is very frustrating.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (TN)

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 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Ink Business card. I received in the mail a promotional offer for balance transfer for 0 % monthly interest rate until XX/XX/XXXX with a 3 % transactional fee of the total balance transfer. I took advantage of this offer online in XX/XX/XXXX. The total amount of the balance transfer was XXXX which posted on XX/XX/XXXX. The transaction fee of {$170.00} posted on XX/XX/XXXX. I made a payment of {$2500.00} on XX/XX/XXXX, expecting that it would cover the normal monthly charges of {$1000.00} ( I always pay the full amount every month ) and some of the balance transfer. 

On XX/XX/XXXX, I was charged {$17.00} interest, which I did not expect. When I called to inquire, I was told it's because I should not have put a balance transfer on a card that I use for other things. And that the interest was due to " how they applied the payments. '' The agent claimed this information was in the " fine print, '' but I find this misleading since it does not make sense that I pay interest charges on some nebulous amount that the agent could not describe to me. That information should be clearly laid out for people. The agent told me that if I had done it over the phone, I would have known.
Consumer complaint received 2018-12-23
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)

XXXX XXXX - XXXX {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping  careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I was looking for my free credit report and was mislead into my Debt card being charged. On or about XX/XX/2019. 1 unauthorized charge of {$19.00} and 1 unauthorized charge of {$29.00}. I called Transunion XX/XX/2019 and the company rep agreed web page was misleading and reversed the {$19.00} charge and would not reverse the {$29.00} charge. I asked to speak to a manager and after speaking with the manager as a " courtesy '' he reversed the {$29.00} charge. 
The methods used to charge my card I feel are predatory.
Consumer complaint received 2019-10-03
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)

Trans Union has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX   XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally TransUnion is the ONLY credit Bureau reporting this. It shows TRANSUNION : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. TRANS : XX/XX/XXXX XXXX : XX/XX/XXXX & XXXX:XX/XX/XXXX LAST REPORTED DATE : TRANS : XX/XX/XXXX XXXX : XX/XX/XXXX & XXXX:XX/XX/XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my TRANsUNION report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on TransUnion there showing XX/XX/XXXX|XX/XX/XXXX|XX/XX/XXXX I'm LATE 120 days in each box ; HOW?? How, there is only  30/31 days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an XXXX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, I found this website for XXXX XXXX XXXX, https : //XXXX/, and sent a request inquiring about this one puppy we found, named XXXX. Almost instantly we got a response from and we exchanged emails regarding XXXX. I was asked some questions which breeders normally ask and I responded. The so-called breeder asked for a {$500.00} price through XXXX or XXXX XXXX. I had used XXXX in the past and thought it is trustworthy. I transferred the money to his XXXX email id, XXXX using my USAA XXXX Account ending in XXXX. He confirmed that he received the money and that he will start the process to ship the puppy immediately. Then I got another email that the shipper will be contacting me, and that the shipper will ask for a refundable crate fee and a shipping fee. Later that evening I got an email from some XXXX XXXX. There was no address or XXXX ID in the invoice that was generated, and I couldnt find any footprint of a business by this name on the internet. I was surprised to see that they are asking for {$930.00} for a crate, and {$30.00} as shipping fee, and the payment has to be made using XXXX or XXXX. That is when it struck me that this is some kind of fraud. I left a voicemail on the number on the invoice and got a call from this person immediately afterwards, who was trying to convince me that the puppy will be sent by air and would reach the airport later that night ; and that the shipper had local contacts who would pick the puppy up from the airport and deliver the puppy to our home. ANd when they deliver the puppy, they would also refund the {$930.00} crate fee. All this sounded too funky for a shipping business. I immediately contacted the owner, who again tried to convince that XXXX XXXX are very trustworthy and that he has been using them for years. I asked him to use uShip or my friend in Minnesota would pick the puppy. He showed reluctance for either. In the mean time, I called my friend, XXXX XXXX, and told her the complete story. She immediately sent another request inquiring about XXXX XXXX XXXX, the two puppies on the website. Strange enough, the breeder sent the exact same message to her and asked for the money to be sent via XXXX. She said she can not give cash and ended the conversation. Then a couple of days later she again contacted the breeder and asked if he would give XXXX for {$400.00} and he immediately agreed. That is when my friend included me in that email chain and exposed the fraud in open. Since then, I have been sending emails to this person but he is not responding. I contacted my bank USAA the next day disputing the transaction, but the bank has refused to honor the dispute. The reason I am now reaching out to this agency for resolution.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (WI)

XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cordoza & Wexler Recovery Services (NJ)

A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX. 
The male that was rude call me back from a XXXX I also sent the bankruptcy papers to a Fax XXXX
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland funding LLC contacted my roommate and provided him with the amount I owed to them, and asked him to tell me to call them. Theyve called him multiple times and have contacted me too. I advised them that I am unable to pay the balance and asked them to stop calling me, they still call everyday. I confronted them about telling my friend about my balance, and they stated they didnt tell him, yet he knew the exact balance when telling me they called him. Please help me resolve this.
Consumer complaint received 2019-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : 1. XXXX XXXX XXXX claims {$7500.00}, and the account is unknown and was not validated 2. XXXX XXXX claims {$820.00} account is unknown, and was not validated Please provide me with the following as a result of Transunions investigation in this matter : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe you ; Provide a verification or copy of any judgment if applicable OR As according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals whom you have contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. As you know consumers credit reports must be 100 % accurate, my credit report is not and TransUnion is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report or provide the validation completely as requested.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (PA)

I have fraudulent accounts and Inquiries on my credit report. 

inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX