davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Experian Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX  XXXX  needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking Experian. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I have had a credit card with USAA for decades. I was furloughed in XXXX because of a tornado that was a Federal Disaster and then COVID-19. 

I contacted USAA several months ago to find out what my options were for managing the debt while experiencing a financial hardship. I explained to the Rep that the TN Dept of Labor was not distributing UI claim benefits - it took a call to the Senator and 10 weeks of no income. 

Since then I have received at least 280 phone calls from USAA on my mobile. I have tried to get a supervisor who might have better knowledge on how to resolve the issues, but I remain on hold until I am unable to wait. 

Please advise how to stop these stalker-like calls that I receive morning, afternoon, evening, and weekends.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (PA)

Collection agency said account placed was cancelled and would be removed from credit report. It damaged my FICO score. It has been more than 2 weeks- I want this off!!!!!
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc (FL)

I had a lease and lease was over and electricity never turn off. I informed XXXX XXXX that we where closed and i did not receive the final bills from them. XXXX XXXX is also over charging people, did not take time to read those meters and according to what someone else was paying they assume to continue charging the same amount. and when you call to dispute they always come with a literature so they don't remove those high bills.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (CA)

This situation occurred in XX/XX/2016 where I was renting an apartment in XXXX, XXXX During the events of doing the walk through, we noticed spots on the carpet, mold on the walls, outdated appliances and bathroom. We advised the management that these issues need to be fixed prior to moving in. I paid the deposit and first month first for a total of {$1000.00}. When we moved into the apartment, things looked fine. Around 2 weeks later, I noticed the the stain in the carpet had gotten bigger and the wallpaper was peeling, revealing the mold. The maintenance department was called at least 3 times for various of reasons. Around XX/XX/2016, I was done begging to have issues fixed in the apartment and spoke with management about terminating my lease. The apartment manager at the time decided she did not need to do a walk through of the apartment and preceded to advise me to drop the keys off at the front office when I am done moving out. Now all these years later, the company decided that I owed money for the apartment citing damages were done to the apartment which I advised the collecting company that the apartments failed to do a walk through and anything after I left was untrue. They harassed me, ruined my credit, call me all hours of the day and night after I repeatedly told them to stop calling me.
Consumer complaint received 2020-11-06
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Choice recovery has not sent any notification of debt, not a verification or validation letter. Instead, they are upset because I am using CFPB to contact them. I tried to handle this accordingly but whomever is replying to the complaints must be a complete XXXX. Instead I Submitted a request online to XXXX XXXX XXXX as they already have an open investigation into your TCPA violations and deceptive debt collection practices.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (ID)

Canceled my American Express card and have a remaining balance I plan to pay monthly. XXXX stopped sending me statements and bills after I canceled the card and now only sends me a text message when they add a {$40.00} late fee.
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had contacted XXXX XXXX XXXX, advised I would be paying off the balance on the card in about 7 days, note the account is 1 payment past due. I also asked for a cease and desist on the account as the number of calls I have been receiving daily is insanity. I have blocked numbers and then they will call from another number. Despite the representative advising that she added the C & D on the account, I have still received 5 phone calls, within 20 hours of advising of C & D.
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greater Collection Agency Bureau, LLC (IL)

The third party collection agency name GCAB collections left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 2018-10-18
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. (GA)

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

Experian On-Line has failed to fix an existing problem with their Boost system. I had made a complaint but to no avail. I have excellent payment records for several years for two boost approved accounts, XXXX and XXXX XXXX. Yet Experian has not posted them for an Experian Boost. They are plainly label in my checking account and I don't know why Experian can neither find them or post the for a boost. Please fix this problem.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (GA)

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-07-17
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: Bread Financial Holdings, Inc. (MD)

I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
Consumer complaint received 2019-11-18
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. (TX)

I have disputed address information with XXXX. I have also received three different credit reports from XXXX showing they have deleted the former addresses. They still currently appear on my XXXX  credit report. They are refusing to remove the old addresses even though dispute is completed.
Consumer complaint received 2019-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

My private loan, now owned by Navient, should be discharged as the XXXX XXXX XXXX XXXX performed illegal activities in convincing me to enroll in 2007 ( the year I graduated high school ). Now that XXXX XXXX XXXX have permanently closed, my loan should be discharged.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Company constantly harasses myself and will contact my parents home phone number even though they know that I no longer live there. My parents have repeatedly told them to remove their number off their call list and they refuse to do so. I have let them know that I will contact them when I'm able to pay them
Consumer complaint received 2024-03-01
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. (MS)

These are not my account. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA you must make sure everything youre reporting is accurate. XXXX entitled to an accurate report please remove the fraudulent account immediately. XXXX attaching my FTC report as well.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My file is still not updated correctly. This Court file number : # XXXX for eviction proceedings is still on the last report you provided me on XX/XX/22. It should have been deleted as well. I was never evicted from that property. And that case file number also does not exist in XXXX XXXX XXXX county case system as well. Please run a check for yourself. Please update your records accordingly. It is illegal to show evictions that did not occur
Consumer complaint received 2022-10-21
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)

XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-06
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. (DC)

I have requested both online and via usps mail that fraud alerts and freezes including the extended be removed from my credit report but have failed to be removed. Furthermore the initial fraud alert was done so fraudulently in an attempt to keep me from using my own credit and obtaining credit. I have include my DMV issued identification as I have also done previously to verify my identity
Consumer complaint received 2022-07-21
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. (LA)

Hello, I received an email from Equifax that inquiries were made on my credit to XXXX 's, XXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Consumer complaint received 2019-03-26
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. (TX)

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was on vacation to XXXX XXXX XXXX from XXXX, XXXX 
On the day XX/XX/2022, I was in transit at XXXX on the way to XXXX, where I withdrew {$40.00} from an ATM machine so that I would have some cash when I arrived at the airport at XXXX XXXX. As I read online that the cheapest way to manage money in XXXX was to withdraw cash from ATMs using a Debit card, my plan was to withdraw about {$300.00} US as I set $ XXXX budget for this trip. When I landed at XXXX XXXX airport by XXXX XXXX ( XXXX ) at XXXX. I picked up my bag, went though the gate and was welcomed by a bunch of travel agents who stopped us to sell taxi rides probably for about 30mins. After this, I went to an XXXX ATM machine at the airport to withdrew XXXX pesos. After the transaction I walked the overpass to an XXXX pick up location and waited for about 30mins to catch an XXXX to XXXX XXXX XXXX 
On the same night, I checked my Capital One app and found 7unauthorized transactions which were made at XXXX XXXX XXXX ( {$270.00}, {$270.00}, {$460.00}, {$530.00}, {$560.00}, {$41.00}, {$190.00} ) as well as XXXX withdrawals ( {$360.00}, {$360.00}, {$250.00}, {$360.00}, {$150.00}, {$100.00} ). I did not realize that the card was not produced by the atm machine as later, I learned that the card does not come out unless you press to confirm the transaction was completed. I believe the card was left in the machine until someone else got hold of it. My bank is approving the XXXX claim for refund however they have declined my withdrawal claim within 2 hrs of the claim being made. The reason for the decision was because this was chip to chip transaction. They had not conducted a thorough investigation that they promised to conduct under their protection program which should normally take 45 days to 90days. I have contacted the bank to dispute the decision as I dont believe they have done an adequate investigation. I need them to do a proper investigation into the case as they promise under their protection program.