davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (NY)

I have inquiries, i have no knowledge of. 

XXXXXXXX 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 2020-07-25
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: JPMORGAN CHASE & CO. (CA)

Chase was notified of several purchases that Amazon claimed were made on my account. The response to Chase was difficult as Amazon removed access to the account as the company made an arbitrary decision that I made a return on a product that was to be plug and play. Amazon has been having problems in my area where the deliveries are not happening and or end up being taken by people walking by. The company has taken a position that they will make any delivery that they claim is made to be in the possession of the person who ordered the item. I have attempted to work it out with Amazon to only be told that the company will not assist me as my account has been closed and any purchases I made were hereby not visible for receipts or warranties. Chase was provided the information about the deliveries and the items that didn't arrive. I placed the complaint as the vendor that had the problem is Amazon. The item that shipped via XXXX or XXXX didn't have problems. I have provided the information that supports the situation where packages were stolen or never delivered to Chase. The process of obtaining the information was difficult as Chase did not have access to receipts from Amazon. The information provided was a picture of a package on a porch. My porch looks the same as the neighbors porch. I have requested that Amazon please leave items either in the lock box or leave a note and neither occurred. 
The responses I received were that the items once they are left are now considered delivered. That makes no sense as it does not protect items from being stolen if they are even delivered. The transactions that I looked up that I can see are not in possession and Amazon will not discuss. Chase opted to pick Amazon due to their relationship with them to be the credit card provider for Amazon that makes a lot of money for the company.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-03-12
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: U.S. BANCORP (WA)

I opened a new XXXX XXXX credit card in XX/XX/XXXX and made few purchases. In XX/XX/XXXX account representative XXXX XXXX blocked my account without explanation. In conversation with me he said that I " don't use the account '' but my explanation that I use the account for purchases on XXXX wasn't considered an acceptable explanation. 

Right now the card is remaining blocked and I can not make purchases on the card. 

XXXX XXXX asked for additional information regarding me ( social security card, driver license and business license ) but he refuses to reactivate the account.
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Hello, On XX/XX/26 I sent a letter to USAA & XXXX ( see attached ) to " no longer hear any more communications about this debt. '' However, I received another letter in the mail regarding accounts XXXX & XXXX. 

It's truly sad how I can't seem to talk to anyone who can actually help me and any responses I receive what seems to be like a copy-paste bot who lacks any reading comprehension. 

USAA calls me with an agent who has to look up in their systems as to why they are even calling me in the first place wastes a whole bunch of time just to tell me they cant help me. 

I'm going to continue to file complaints and leave negative feedback for each communication I receive moving forward.
Consumer complaint received 2022-08-17
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have noticed my credit being run numerus time, I never give permission to run my information as it states on my report. these companies had run my credit more than once on the same day same inquire why? I did reach the companies which I was told do a dispute with the credit agencies. I did reach them but nothing they could do so they refer me to contact CFPB. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 2021
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IL)

This collection account magically appeared on my credit report from Commonwealth Financial with no notice in the mail or phone contact. I have no knowledge of this alleged debt. The put this on my credit report " damaging '' my credit score. I have sent a letter to Commonwealth Financial asking for validation.
Consumer complaint received 2021-12-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (MI)

Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. VANCE AND HUFFMAN LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only VANCE AND HUFFMAN LLC responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Texas Guaranteed (TX)

This company is calling me on my employer phone which is a hospital and I can not accept personal phone calls in an hospital setting. The phone is designated for patients only. Voiced this to them and a XXXX still proceeded to reach me at my place of work. I will file harassment if this continues
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MN)

RE : Statute of Limitations in Minnesota Good day, I hope you are well and I appreciate your timely response. 

Today, XX/XX/XXXX, I got a call from XXXX XXXX with a litigation threat lien on my home if I do not pay up a debt occurred in XXXX  and was given XXXX hours to respond or I will be forced to XXXX XXXX. 

My wife was worried and I called the number back to clarify what that debt was and requested for information but received XXXX documentation. I was told it's with Citibank so I called Citibank and Citi bank advised that I have no outstanding debt with all accounts closed appropriately ever since. I called XXXX XXXX to report that it's a mistake and I have no existing debt with a XXXX score of XXXX as I actively check my credit scores. 

The officer at XXXX XXXX stated that if I dispute then I will have to bear XXXX the costs to be in court and I felt threatened as I have never in my life been in court or failed any payments.

I reluctantly paid the costs as we were afraid about the lien threat on our home and I am truly afraid of any escalations. I checked again with Citibank and again they confirmed that I have no recorded debts and was asked to share the docusign for their reference.

Did I make a mistake? I did not get proof of what the payment was and felt scammed.

Please advise what I should do and I'm afraid that such threats may arise again.

Thank you for your time and support. 

Kind regards, XXXX XXXX
Consumer complaint received 2022-05-03
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: United PanAm Financial Corp. (TN)

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (AZ)

In XX/XX/2018 a lease was open With XXXX XXXX Apartments XXXX XXXX XXXX, Tx XXXX on unit # XXXX were they promised half off the first month of rent. XXXX XXXX would late not honor that deal forcing me to Pay a full month and late fees '. Through out my Experience at XXXX XXXX Apartments I was charged a number of fees that were never able to explain. Finally in XXXX due to multiple issues with the leasing office and poor upkeep of the property including roach infestation. The leasing office had agreed that I would turn in the keys and they provide me would final amount due once they looked off the apartments. I sent a bill over 11,000 and the full remained of the lease. Witch both me and the current leasing agent agreed was not correct. I was told to wait for a readjustment since the were able to lease out my old apartment. I would only have to pay for the time it took to fill the vacant plus cleaning fees if needed my deposit was 700 $ so was not suppose to owe anything over 1000 $ if they leased it out next month which they did. The bill was never corrected and worse it was forward to a Collection company RS Clark & Associates I could not afford the 11 thousand dollars they wrongfully claim I Own. I have tried to get this Corrected over the years but the XXXX XXXX apartment and the XXXX XXXX RS CLARK & Associates kept passing the buck them for who can correct this For me so I can finally rent my own place.
Consumer complaint received 2021-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Dear Madam/Sir, upon receiving an email last Friday XX/XX/2021, I visited the XXXX XXXX California County XXXX XXXX XXXX website. I found that a property that I own at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was listed as ( Defaulted Parcel No. XXXX ). Last year at this same time, Freedom Mortgage XXXX XXXX XXXX XXXX, TX XXXX failed to pay the taxes due on this my property. I have never been late on any mortgage payments and the said taxes should have been paid out of my escrow account by Freedom Mortgage company as they are in charge of servicing my mortgage account. I phoned them and requested that they pay my taxes. They did so, however my account was, and is noted in default on tax record as of XX/XX/21. 
Taxes are due again as of this date, and have not been paid again. I retired from flying worldwide supply and support missions with the Department of Defense for the US military in XX/XX/XXXX of this year. I am now unemployed and collect only XXXX XXXX each month. If this irresponsible practice of failing to pay my taxes on time by Freedom Mortgage is allowed to continue, the damage to my good credit standing is at risk of being irreparable, and is now adversely affecting my life.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2018-10-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Account # XXXX XXXX XXXX XXXX opened in XX/XX/2009 appears in my XXXX credit report as a derogatory info as being charged off for {$3300.00}. Shown as an authorized user.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRINITY HOPE ASSOCIATES (NC)

XXXX XXXX XXXX XXXX recently reported a medical collection for {$530.00} on my credit report. Prior to this account showing up on my credit report, I did not receive a notice of my right to dispute. This is a direct violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased bus tickets through a public transportation app using my capital one card and was charged a {$10.00} cash advance fee for each transaction : XX/XX/21 : {$3.00} bus ticket XX/XX/21 : {$1.00} bus ticket XX/XX/21 : {$3.00} bus ticket The cash advance fees did not post until XX/XX/21 ( {$30.00} in total ) nor was I informed at the point of purchase that such a fee would incur. 

I called Capital One to ask the charges to be removed and they refused, claiming the purchase was a wire transfer.
Consumer complaint received 2020-07-25
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. (FL)

i have a card with XXXX XXXX XXXX XXXX. 
cash rewards. i paid off trhe balance and its not showing on my credit report {$1100.00} should show a XXXX balance
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (UT)

I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from XXXX XXXX XXXX. Call received XX/XX/2019 @ XXXX ( MT ).
Consumer complaint received 2018-10-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GRANITE STATE MANAGEMENT & RESOURCES (CA)

Credit report states this account was open XX/XX/2016. The account status is still open. I didn't receive any notification of this debt by phone, mail or email. I noticed this account was being marked as I had " missed payments ''. I am doing my due diligence to work with the creditor " GRANITE STATE MGMT - DIR '' to pay my monthly payments on time but I am still concerned about the negative remarks on my credit report saying I have missed payments. The negative remarks are affecting two seperate accounts, coming from the same creditor " GRANITE STATE MGMT - DIR ''. One balance is {$4500.00} and the other account balance is {$2100.00}.

I would like to address this immediately and ideally, have the " missed payment '' negative remarks removed from my credit reports.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc. (TX)

Sofi sent me a credit card I did not apply for. I tried to contact the company but they have no fraud department. There customer service number said they can help if its about a charge, but not on a card? 
Tried to dispute with credit bureau but the said we showed you applied for it and its yours, however they will suspend the card. I have a credit card and a hard inquiry on my perfect credit and I am buying a new house and this effected my Percentage amount on my loan. 
I volunteered to do a police report or affidavit and they said it wont matter, its staying on your credit?
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I XXXX XXXX XXXX, obtained a " Interest Only '' Loan with XXXX XXXX inXX/XX/XXXX, and I paid flawlessly until notified XXXX onXX/XX/XXXX that I was scheduled to retire in XX/XX/XXXX and wanted a Loan with Payment on the Principal not just the interest by a Loan Modification. On XX/XX/XXXX, XXXX informed that the Loan was now being service by XXXX. 
XXXX steadfastly continue to ask for the XXXX  over and over while changing Loan Representatives whom continue to say the file is incomplete. When they finally offered a Loan Modification, it was based on MY SALARY, not my RETIREMENT BENEFITS! 
I listed the property to SHORT SELL, but XXXX kept refusing the offers, then the Mortgage was transferred to Carrington Mortgage Service on or about XX/XX/XXXX. 
I used XXXX XXXX XXXX XXXX of Florida to help prepared the Loan Modification Packages and after several Months of sending packages to different Loan Representatives, we finally assigned a thorough, competent Representative, XXXX XXXX, who informed my Representative, XXXX XXXX of XXXX XXXX XXXX, that the Underwriter denied the Loan Modification because my retirement income of XXXX and my non-contributing Borrower, and Spouse retirement income of XXXX was insufficient to offer a Loan Modification based on their Investor 's Guidelines. 

As Seniors we worked hard and retire only to be told we can not remain in our home after paying for 15 years XXXX plus to XXXXXXXX XXXX over {$320000.00} IN INTEREST ONLY!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days