davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation (OR)

On XX/XX/2019, my grandmother in another state and my brother-in-law ( old landlord ) received a phone call stating that the debt collector was called Global and that they were calling regarding a balance with the XXXX XXXX XXXX  and that if I did not give them a call back in 30 to 60 minutes I would be served papers and sued. The claim number this company provided for me was " Global '' provided was # XXXX and they called from XXXX. I called and left a voicemail around XXXX XXXX  PST. 

I received a call around XXXX XXXX PST from a man that was aggressive in asking me personal information and when I asked questions, he told me to " shut the XXXX up '', " you're going to be served '' and " good luck in jail ''. I hope the call was recorded. If so, please request a recording. I can provide additional information if needed. I checked the XXXX XXXX  XXXX website, checked the online court cases and found nothing. I had never received any written notification from this company. I called back and spoke to another rep named XXXX said it was for XXXX XXXX XXXX payday loan in the amount of {$300.00} something dollars. I asked why they never reached out to me before. They said they didn't have my address. I said I know I've updated it with the postal office, why did I not receive any written correspondence? She said she wasn't sure and asked me if I had been served yet. She said that someone was looking to serve me and I gave her my card information. 

I spoke with XXXX XXXX XXXX and they confirmed they did not call me. I looked at my collections with debtors and I don't see XXXX XXXX XXXX listed. Please help. This company now has my card information and the last four of my social security account.
Consumer complaint received 2023-02-12
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. (OK)

I had a loan with XXXX XXXX ( now called XXXX ) before without issues. My second loan, they reported XXXX late payments on my credit report. I paid off the FULL BALANCE of $ XXXX under the agreement that all negative information and late payments being reported would be removed from my credit report by agent XXXX XXXX This was paid off in the first 100 days to avoid paying any interest, per the contract agreement. The late payments are still reflecting on my account to this day and any attempts to resolve with XXXX directly have been unsuccessful. 
Ive reported to the XXXX and XXXX advises that theyll reach out to me directly or I can reach out to them directly. 
Ive already reached out to them directly without resolution and do not want to spend any more time on this when theyre unwilling to resolve the issue and remove the late payments being reported. This was guaranteed on their recorded line with the agent taking the payment.
Consumer complaint received 2018-09-10
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: SYNCHRONY FINANCIAL (CA)

Someone opened a credit card in my name through XXXX ( XXXX XXXX ). I have a regular XXXX account but not a credit card. The person who stole my identity used a fraudulent email address to open the card ( not the same one that I have on file with XXXX ), and a phone number that is not mine ( and not the same as I have on file with XXXX ). 
I reported this to XXXX credit card and they denied my fraud claim, stating that, " the information on the account verifies to you ''. This is completely incorrect. XXXX did not properly verify my information before issuing a credit card to someone who stole my identity. 
I will be submitting a police report shortly, and have already filed a XXXX complaint.
Consumer complaint received 2019-10-03
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. (MA)

On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from Experian. I am a college educated professional with 40 years in the Financial Services industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with XXXX. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.
Consumer complaint received 2023-06-13
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. (NV)

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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2019-04-06
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. {$240.00} & XXXX XXXX XXXX ( Paid charge-off ) There is no valid claim, no contracts exist ... accounts were settled with creditors by and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). I have never been late or had an account charged off. 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
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 2023-03-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2022 I cancelled an internet service with XXXX XXXX ( I was not on any sort of contract at the time ) and switched my internet service to XXXX XXXX. I was instructed by XXXX XXXX to place my hardware that belonged to the company into a self addressed, postage paid box which would be mailed to me. Once the XXXX XXXX received the equipment from me then my service would be closed. I mailed the equipment off as instructed. 

In XXXX of 2022 I was surprised to find I was charged another full-month from XXXX XXXX for service that I had cancelled over a month prior. I contacted XXXX XXXX via phone and inquired about the charge of {$82.00} on XX/XX/2022 to my credit card. The customer service rep indicated that the equipment likely hadn't been processed yet and once the equipment is processed then the account would be updated and credited based on the cancellation effective date. I acknowledged that I understood and waited a few weeks for the credit to apply to my credit card but it never came. So I disputed the charge on my credit card and the credit card company conduced their own investigation and ruled in my favor and reversed the charge. 

XXXX XXXX XXXX again sent me a invoice for the {$82.00} and I again reached out to the company explaining what happened but the customer service basically said " the system says you owe charge so there isn't much I can do ''. 

This charge has been sent to XXXX and it is affecting my credit, which is otherwise stellar. I am disputing the validity of this charge and I'm seeking the assistance of CFPB to have this derogatory mark removed from my credit report. I have attempted to dispute this charge directly with XXXX XXXX and directly with XXXX to no avail. 

I will attempt to send a pdf file of my credit card statement from XXXX 2022 showing a charge for Spectrum Cable on XX/XX/2022 and a charge from XXXX XXXX  in XX/XX/2022. I wouldn't not have kept of paid for both services at the same time because once I had the Spectrum service installed. I called and cancelled the XXXX XXXX. I have no documentation of the cancellation because it was done via phone. I was unable to locate the UPS receipt I received from mailing the XXXX  equipment back but it was definitely sent back in a prompt manner.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : 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 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NJ)

My bank is using military technology on my account to both change the rate of some costs & fees & is also denying my debt card from some companies illegally. I have been complaining about the different problems since 2020 when I started getting overdraft fees for the first time when my account was protected with the previous company & those protections should have been transferred to a similar account under the new company automatically. My bank is also pretending to be hacked, sending me nonsense texts, and allowing others to check the status of my bank account illegally.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About two months ago I finally received my family leave money for bring my XXXX XXXX,  well I deposited the {$6000.00} from over five weeks back pay and within three hours all the money was stolen from my card given to me by Bank of America and edd. Ive been call the fraud department and keep getting denied my money they say I authorize this! Whoever did this changed my lug in and security questions twice! Both time I called bank and changed login. Im out {$6000.00} and cant pay bills or anything! In the meantime edd tells me I do T get paid from them anymore
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Equifax is reporting incorrectly on the XXXXT partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor in the past, have ever had a XXXX XXXX credit card. This account is reporting in error and needs to be removed from my credit report. I have also attached a copy of the Identity Theft Report I filed with the Federal Trade Commission. I have not applied for, nor ever given permission to anyone to open this credit card. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, TransUnion, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from a company called XXXX XXXX XXXX claiming I had a lawsuit against me by Ace cash express for breach of contract for a loan they claim I took out in XX/XX/XXXX. Had told me a letter was sent to me certified mail and they were going to come to my house for me to sign documents. I asked to have this rescheduled so I had time to look into the company and the person who called. They said my loan was {$700.00} but they didn't understand why my payoff was {$690.00}. They claimed Ace cash was suing me for over {$2000.00} according to Texas state law they were allowed to charge over 3x 's the amount owed. I contacted Ace cash immediately today on XX/XX/XXXX to which they claimed the did not harass their clients like this. 
They continued to contact family members in a different state claiming lawsuit and requesting information for a background check. 
I asked what jurisdiction and county this lawsuit was out of and they could not give me that answer. I was then hung up on.
Consumer complaint received 2023-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX ( # XXXX ) charged amount of XXXX for Automobile/Vehicle Rentals on XX/XX/XXXX to my Bank of America Credit Card ( copies attached ). It came as a shock to me. On XX/XX/XXXX my car sustained damage due to hit and run ( likely a criminal act ). As required I contacted the Police ( XXXX XXXX ) and an examination was done at location XXXX XXXX XXXX XXXX lot of XXXX XXXX XXXX and report issued. I was enrolled in Automobile Insurance and was authorized to take my vehicle to their designated repair shop - Collision Express. In the mean time I was provided with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my credit card to the amount. I disputed the charge with the credit card company in about XX/XX/XXXX. Though I provided myside of the story, the dispute went for more than 90 days despite me calling them several times and even promised expedited process. Few days ago I called and was told that they dismissed my dispute. The dispute is bona fide and should have been forwarded to XXXX for their response. Instead the credit card simply dismissed my dispute and I believe acted in bad faith and simply dismissed. I explained to them it is a dispute and not a service provided. The Insurance company did not pay them. That the insurance company along with their client the repair shop ( XXXX XXXX ) arranged their client XXXX 's car for rental. Not my choice. The insurance company did not pay XXXX as required. Clearly mal-practice of insurance company refusing and/or delaying the payment to XXXX, their business partner. After 90 days they dismissed my complaint without even seeking a response from XXXX who charged my credit card unusual amount. The reason provided by Bank of America business card is I believe fraudulent and/or wanted to pull this under the rug as the dispute resolution process would have unearthed/ exposed the unethical and illegal activities of XXXX and/or their partner XXXX XXXX. So they did not go through the normal / required dispute resolution process but I believe purposely delayed 90 days and/or beyond as they had no intention of going through the process. I also believe they engaged in un-ethical and/or illegal backdoor communications with XXXX for the purpose of dismissing my dispute. Simply fishy, unethical, fraudulent and likely breaches rules and regulations.
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. (TX)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One There is no valid claim, no contracts exist ... account was settled with original creditor by and there is no balance and negative payments is still being reported. I am quite appalled and indignant. ( Debts can not be collected twice ) & this has damaged my credit scores. 

Grave errorsfalse claims and reportingsI want this accounts removed or corrected immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
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 2023-04-07
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. (GA)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.