davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PatientFi, LLC (CA)

Scratch sold my loan to PatientFi, but on XX/XX/2022 they took the auto withdrawal from my checking account and as of this date has not provided the payment to PatientFi. I am getting harassing phone calls and letters from PatientFi. All PatientFi says is that it is just something automatic in their company, but I am not coming up on almost being 30 days late. No one is helping me at PatientFi, XXXX, and they just say that if they report it late then they will fix it. This is not acceptable to me. I paid on time, I do not want my credit report affected because these two companies can not figure this out. I have made several calls and requested to speak with a supervisor. I was told that it takes 3-5 business days for a supervisor to return a call. I am frustrated and upset. I worked very hard to get my credit back up and now they putting me in jeopardy. I just keep getting the run around.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MD)

Credi karma constantly sent me pre-approval offers that I did not actually qualify for. My credit was negatively affected by hard pulls for credit cards I really wasnt qualified for. I received many offers and all said I was pre qualified and this was a regular occurrence and I often was denied and my credit score fell because of this. Not only that, they do not use the scoring model most major lenders use. The score Credit Karma claims you have is actually a much lower score when you go to get a financial product and that particular institution pulls your score. Credit Karma is very deceptive!
Consumer complaint received 2023-03-23
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

usaa retallatated when it stop mre from print copys of my checks this ocured when i file my proir claim whem i printed check to send to as proof of usaa wrong during, retallation was i filed the compliant,
Consumer complaint received 2022-10-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 aN account without my written instructions.
Consumer complaint received 2019-09-30
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. (GA)

Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX XXXX , XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MO)

XXXX XXXX XXXX XXXX {$150.00} Ammericollect : {$100.00} {$68.00} ; {$100.00} ; {$53.00} I sent a letter to the collection agencies XX/XX/2019, requesting for the debt to be validated, as well as reminding them of the HIPAA law, advising my permission was never given to the Healthcare providers to release my information to a third party. The debt was NEVER validated, nor was a response provided within 45 days provided by FCRA guidelines, that was outlined in the letter as well. XX/XX/2019, I sent a letter to all 3 major credit bureaus, XXXX, XXXX, XXXX disputing the accounts, providing attachment sent to collection agencies, also asking for proper investigation and proof of verification and what company verified it. XXXX investigated and removed the accounts. XXXX  and XXXX advised accounts being verified without any additional information on who verified it or how. I am aware of the Freedom of Information Act, which isn't being upheld from Credit Bureaus, nor collection agencies. Please REMOVE accounts!
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BYL Collection Services (TX)

We have been contacting the debt collector BYL services for a week trying to pay off a debt. They are mishandling our payments. They asked for card information then said there was a system error. Then they took our bank account information and said it will process in 10 minutes we called 2 hours later then they said well it did n't go through so we need your card information again. This is very frustrating because we are actually trying to pay off debt and move into our apartment but we are depending on this collection company who keeps giving us misleading information.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2021-02-18
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: FIFTH THIRD FINANCIAL CORPORATION (MS)

I have been approved by FIFTH THIRD BANK Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been approved by XXXX XXXX aka XXXX Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX aka XXXX ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2020-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have contacted this company by mail for the last two years! They are yet to send me original documents with signature or identification. This debt does not belong to me and is hendering me from purchasing a home. I have sent letters certified and by email. They dont show proof. Ive also contacted the credit bureaus. Please remove immediately as this is a violation of FCRA.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. Remove all requested information and to restore my credit sco
re.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 
Remove all requested information and to restore my credit score.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX COLLECTIONS XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.
Consumer complaint received 2021-07-22
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: Westlake Services, LLC (GA)

I filed a dispute with XXXX, XXXX and XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I referred a family member for one of their products, the American Express XXXX XXXX card, and that person was approved. American Express promised to give me XXXX XXXX points for referring this person if they were approved. My referral bonus did not post within a reasonable time period so I contacted American Express after 8 weeks from the date of this person 's approval. American Express refused to credit the points. 

I referred this person on XX/XX/XXXX and the person applied for the XXXX XXXX card on XX/XX/XXXX. I watched this person use my referral link and saw that his application was approved, this again was on XX/XX/XXXX. We each took screen shots of every step and that documentation is attached. 

I contacted American Express on XX/XX/XXXX and initially they said they would review my account by chat. They did not further initiate a chat invitation. I then contacted them again on XX/XX/XXXX and they told me they would not credit the points.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings (AZ)

Hello Im contacting you guys because I have XXXX phone calls strange emails and notifications from credit bureaus about this debt collection that is not mine. This is completely fraudulent and I have never done business with this company. I need this to be removed from our credit bureaus immediately before I take further action.
Consumer complaint received 2021-09-23
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. (CA)

Theres random addresses i do not live at or have never lived there in the past appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have been stolen from by Wells Fargo 2 times this year. I deposited a check for {$630.00} in XXXX which they later took out saying i deposited it twice they took the money back out in XXXX and then i deposited a check for {$890.00} in XXXX that they again took out saying the same thing and took the money out in XXXX. Then said it was my fault that the money was taken. I want my money back. I then got screwed out of my son social security XXXX money because my account was over drawn because of them. I filed 2 claims and nothing was done about it.
Consumer complaint received 2023-01-12
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. (MS)

I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT XXXX XXXX SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. EQUIFAX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM XXXX XXXXED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. EQUIFAX OR XXXX XXXX DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY 3 CREDIT BUREAUS.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CO)

With this credit card company they keep hitting my credit reports with how they are lowering my limit but everytime they do this I am not showing that I am way over my limit. A example they are saying my credit card limit is {$1800.00} but I am {$1900.00} over and saying my promotional ended but I never recalled anything being promotional or adding on late fees when I have always paid on time. I keep getting notifications everytime they lower it but now it looks like im over spending cause of this. The company completely ignores my emails addressing my concerns. I am not the only person who has issues with this company also. 

This is care credit card
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts that are reporting on my credit file that does not belong to me : Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ; Bal : {$520.00} XXXX  - XXXX XXXX XXXX XXXX ; Bal : {$3900.00} XXXXt - Bal : {$0.00} XXXX XXXX XXXX - Bal : {$0.00} XXXX XXXX XXXX XXXXXXXX - Bal : {$0.00} Please remove the following incorrect late status from the listed accounts : XXXX XXXX - incorrect late on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Bal : {$0.00} Please remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (GA)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME FROM EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IN THE ATTACHMENTS ARE XXXX XXXX XXXX XXXX 

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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I lost my job and after paying on a home for 11plus years, reached out to Wells Fargo home mortgage in XXXX to ask about refinance options, or some way to avoid losing my home. After being told I didn't qualify for a refinance with Wells Fargo ... and endless calls asking about the HARP or streamlined finance or using equity in my home, etc. I was referred, by a Wells Fargo employee via phone, to a company to assist with the HARP process. I was instructed to fill out paperwork and then told to make a reduced payment, by money order for 4 to 5 months, while they processed everything. I was assured that the Florida company would be my voice to Wells Fargo, and checked back with company in status every 10 to 14 business days. In XXXX of XXXX, while leaving for my daughter 's theater performance. A gentleman came to my door and said he wanted to see if I had rights to any of the equity in my home, as it was sold at auction the previous Tuesday. There was no notice received, I was in shock. I was then contacted by a small home flipping business, who purchased my home and given 12 days to evacuate the home I lived in for 12 years. In the scramble to find housing, and pack up myself and XXXX children, I lost some of the paperwork which had the Florida company name. 
I know that the home had some renovation and then was sold by the auction purchaser for over 2x the amount I originally financed. Wells Fargo has been exposed for so much, but I've only heard of one other story making the news that is the same as mine. They took my stability, they took FHA incentives and I wouldn't be surprised if the auction purchaser worked for Wells Fargo too.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

XXXX XXXX XXXX XXXX My mother got it for XXXX for me ( at XXXX XXXX  ) card worked the first day, was able to buy a little something and after that, I wasnt able to check the balance. The site kept saying my card number was invalid, tried to buy XXXX pizza and the site gave an error. The card had {$200.00} in it and i tried to call customer service, immediately got hung up on.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.