davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I am ( XXXX XXXX XXXX ) requesting that the negative payment mark on my credit report be removed. I've been a member of USAA for 23 years, and I have a strong history of making payments on time. However, through my credit monitoring service, I discovered that I was given a late payment mark. I was unaware of the late payment until XXXX notified me. I had never received a statement, email, or phone call stating I was about to receive this late charge and only became aware of it when it appeared on his monitoring service as a late payment. Once notified, I immediately called and made that payment in full on that same day. 

I'm not a frequent user of the card, and I traditionally pay more than the minimum, and I was not expecting to make any payments that month. In addition, I have never been late with any fees in the past, and I'm a loyal customer. 

In addition, this issue has had a severe adverse effect on my credit score.

If my points are being considered. I request that you rescind this late payment charge and delete the late payment entry from my credit report with any credit reporting agency to which you report. 

Thank you for your prompt attention to this matter and your courtesy in this regard.
Consumer complaint received 2021-06-13
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Bulk Purchase Finance - General Processors XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-05-05
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. (GA)

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 U.S.C. 1681. 

DEPT OF EDXXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 2022-02-28
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. (OH)

n 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 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-28
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. (OH)

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

Case # XXXX - XXXX XXXX account from Cavalry with insufficient validation information case # XXXX. 

I am reporting this credit application that includes WRONG information. 

XXXX was unable to verify my personal information prior to their approval. 

THIS IS A BIG ISSUE AND TOTALLY UNACCEPTABLE. 

I have requested from Cavalry the exact location of the store where the purchase was made ; Cavalry was UNABLE to provide any information. 

This collection account on my report is causing me major problems with other creditors.
Consumer complaint received 2022-02-28
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: CCS Financial Services, Inc. (CA)

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. CREDIT COLLECTION SERVICES has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with CREDIT COLLECTION SERVICES, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting CREDIT COLLECTION SERVICES delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-03-14
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-28
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2023 the due date for my Amazon store card, I attempted to pay the rest of my previous statements balance on my Amazon store card " managed '' by Synchrony, via the link on my Amazon account. Even though I had already successfully made my minimum required payment about 2 days earlier using the link at Amazon, this time the link was no longer available. I did not know how to reset it so I called Synchrony to either fix this problem or to allow me to make a payment ( about {$710.00} ) another way. 

Synchronys agent who tried to help me at first did not see that I had already paid the {$40.00} minimum ( about 2 days earlier ) and initially told me that in order to avoid interest charges I would have to pay {$750.00} ). He eventually saw that I had already paid {$40.00}, so that {$710.00} would indeed be enough to cover the last statements entire balance in its entirety. 

He then asked me for the routing and account numbers ( bank ) that I wished to use to make this payment, and I provided them to him by reading them to him off one of my checks. He accepted this form of payment. 

Several days later ( XX/XX/XXXX ) I received an a-mail from Synchrony that my payment for this {$710.00} had processed. But, then on XX/XX/XXXX I was notified that it hadnt! Synchrony charged me interest on these {$710.00} and it closed my account and stole the 5 % rebate that I had accumulated in recent weeks. 

I have used checks bearing these same numbers many times and had only a few days earlier successfully made an online payment using them elsewhere. 

All of these matters seem to be a result of Synchrony not being able to find a bank 's routing number and then taking a week to say so- so that they can try to charge customers interest and apply whatever other punishments they think that they can get away with. 

I should point out that around XX/XX/XXXX I also complained to Amazon directly about Synchronys incompetence, greed, etc., so, maybe Synchrony decided to close my account to retaliate against me for daring to complain to Amazon about them? 

Furthermore : A similarish situation arose with Synchrony and me earlier this year. I also complained then to your Bureau- but after temporarily becoming reasonable, they have forgotten their lesson ( s ).

If a bank displays such questionable behavior to a customer of a huge company like Amazon to which they are a vendor and gets away with it, what should we expect from banks who do not stand to lose such a huge account ( Amazon, in this case )?

It also seems to me that it is wrong for any financial institution to shoot first and ask questions later - i.e., to not find the right bank info numbers + then to charge the customer interest, late fees, etc. It seems that the fault in not being able to process a payment is theirs, not mine.
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Hello, My phone with XXXX stopped working on the XXXX and went into store to get the phone fixed on Tuesday the XXXX. I had a bill of XXXX on my account and this caused my phone to stop. They said since I exchanged my phone the day of the purchase my special plan changed from XXXX to XXXX. I worked on getting the phone fixed on Tuesday the XXXX without paying anything. Phone got fixed then two hours later my phone went bad again. Went back on Wed and they refused to fix my phone. Another bill was placed on my account. My wife, on the XXXX, ended up going to store where we purchased the phone and paid the XXXX and phone got fixed, this was due to my pin and security pin were wrong so only way to get phone up was to pay the bill. After getting my phone fixed another bill for XXXX was placed on my account and my phone was disconnected again. I have the bill attached below. While my phone was off someone got a passcode reset codes and used my XXXX on my phone and hacked into my XXXX email address and also got codes to my XXXX gmail account. They also got into my coinbase account and while in my account they pulled ACH Deposits from my checking account into my coinbase. With the money in my account and the money pulled from ACH they bought bitcoin and in XXXX days they took all my money in my account. Total loss of {$24000.00}. I need help getting my money back. 
Sincerely, XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax has been reporting an inaccurate Public Record on my Credit profile since XXXX XXXX. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. 

I have also forwarded Equifax proof from the court whom they say verified the public record that they dont have a Bankruptcy under my name or Last 4 of SS I have sent copys of the Bankruptcy being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the credit bureaus.

This Bankruptcy has been found to be reporting inaccurate as a result of a investigation performed by XXXX  & XXXX.
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (DC)

The XXXX XXXX enables federal student loan borrowers to receive a refund on any payments made after XX/XX/2020. In accordance with this policy, I've requested a refund from my student loan provider, EdFinancial, for the payments made during this period. In response, EdFinancial has given an unreasonable timeline of five or more months for the balance to be reinstated with an additional processing time upwards of several months after being reinstated for a check with the refunded amount to be sent to my home address. Furthermore, they have refused to provide confirmation of my request in any written or electronic form. As gathered from other borrowers who have requested payment refunds from their provider, it seems that other providers have provided much more reasonable timelines of one to two months for the loan to be reinstated and the refund sent to the borrower. As far as I've gathered, EdFinancial is the only provider giving such a lengthy timeline. Other borrowers have also been able to receive written and electronic confirmations of their request from their provider. I'm worried that this unreasonable processing time from my student loan provider could prevent me from receiving the potential student loan refund announced by executive order recently. Further, the quantity I've requested for refund is quite significant, over {$14000.00}, and thus receiving it in a reasonable timeframe will not only ameliorate personal financial stressors, but will also limit financial damages as a result of the time value of money. It's been two months since requesting this refund, and I have been given no updates or timeline after calling customer service and requesting it.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (CT)

I have a very serious issue with the Barclay 's AAdvantage card. I have called twice since XX/XX/XXXX, discussed the issue with representatives and was provided with a case number, but was told it would take up to two billing cycles to be contacted by a XXXX which is unacceptable. I received a form letter yesterday ( XX/XX/XXXX ), whereby it states that they understand my concerns and appreciate the time Ive taken to provide valuable feedback however I requested a more direct contact/conversation to rectify this major error to our new account and the standard letter doesnt address my concerns or solve this issue. 

My husband and I traveled on an XXXX flight on XXXX XXXX and was provided with a paper application for the card upon departing from the flight. I completed the application, with a request to transfer {$5500.00} from our XXXX XXXX  credit card to Barclays AAdvantage credit card with the understanding that there would be an introductory 0 % APR for 15 months. I waited over XXXX weeks and hadnt received confirmation via email, phone or the card in the mail. 

My husband and I telephoned on XX/XX/XXXX and was told by a representative that there was NO record of the application. We then initiated with the representative a new application, requesting {$8400.00} ( increasing the {$5500.00} in order to cover our travel expenses ), with the understanding that there would be a transfer fee of {$420.00} and 0 % APR. 

The PROBLEM is that the representative made a significant error and misinformed us as both requests/actions occurred so that we ended up being charged for a second balance transfer for the initial request of {$5500.00} AND a APR charge ( since it was our " second request '' ). Both transfers were posted on our XXXX XXXX  card on the same day so I don't understand how it wasn't possible for Barclay 's representation to not see the initial application! 

I called twice in order to get this rectified as we DID NOT WANT BOTH, nor pay for the {$5500.00} balance transfer fee and get involved with paying an APR on the amount. In explaining the situation to a Barclay 's representative, I requested the ability to immediately pay off the {$5500.00} balance transfer, but was told it wasnt possible. I dont see how this isnt possible since the finance charge is being charged only on the {$5500.00}. balance and its a matter of crediting our credit card the {$5500.00} amount, as well as the balance transfer fee of {$270.00} in as much as this is an error on their part.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly a collection on the XXXX  XXXX XXXX   XXXX XXXX partial account number XXXX in the amount of {$4600.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have long since been paid off. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (IL)

I applied for US Banks secured credit card which I understand requires a credit inquiry. I applied on XX/XX/2024. 

Application went into review and the next business day ( XX/XX/2024 ) US Bank ran another credit inquiry resulting in XXXX credit pulls for one application. 

Both inquiries were only processed on my XXXX credit file. This 2nd inquiry should be removed as I only have authorization once.
Consumer complaint received 2022-02-28
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. (TN)

4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** EQUIFAX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE EQUIFEX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED.

PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX