davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Since XXXX 2021, I have had XXXX collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

I received a notification about a collection debt in my credit report for an amount of {$280.00}, the original creditor on the report says is XXXX XXXX XXXX but I already went and spoke to them, I only have prepaid lines with them, they pulled out my account information and I do not own any amount with them, the collection agency name is XXXX XXXX XXXX is who says XXXX own the amount above but when I called them, they did not want to give me any information without my SSN, this made me credit went down by XXXX plus points and I was planning on getting a loan at the beginning of next year but this is affecting my plans, if I knew I own any debt I would pay it off, I have never had a miss or late payment, so this is very strange. I'm looking for help to remove this collection out of my credit report so I can keep going on with my original plan.
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/19, I tried to pay a bill with Western Union Online which stated the company I needed to pay is one of their Billers. Due to another payment via Western Union issue XX/XX/19, I decided to check with customer service to make sure will this payment go to the correct company. Although the company was their website as one of their Pay Bills Company 's, there isn't a relationship with Western Union and the company. Instead of correcting their website, the incorrect information is left for the next customer to attempt a payment. I spoke to a representative that said XXXX XXXX XXXX isn't their system so I would not be able to make a payment. I asked for a supervisor and the representative transferred the call without telling them about the call so I had to explain all over again. This makes the phone very frustrating and aggravates the situation. The supervisor checked the company 's name and found them but needed to transfer me again. I do not understand why she was transferring so you've wasted unnecessarily been on the phone over 20 mins. Then the supervisor disconnected the called while I wait to be transferred to an unknown phone and unknown reason for transfer. 
The problem has been their online pay bill feature shows the company but they no longer have them as Pay Bills Company 's. When this happens the funds goes to the wrong company and the customer is made to wait to get the money back. This creates a late payment for the customer and accrues late fees and possibly a derogatory item on their credit. 
I called the Corporate Office and spoke to XXXX which listened and I insisted she confirm the company would receive my payment. XXXX wanted to transfer me back to the same area that disconnected the call. I told all that was needed is confirmation the payment would go to the right company this time. Their website and the procedure and company are different and cause major financial issues for the customers.
Consumer complaint received 2019-03-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

Experian is stating they have confirmed information to be accurate from a collection agency which just popped up on my credit report the other day. I did a dispute with the three reporting agency it was reported to. XXXX and XXXX   removed it immediately after investigating. During the Experian investigation I explained I had not made the charge or ever been to the hospital or received any products or services from that hospital that the collection agency stated the past due charge could have came from. The erroneous charge came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had two credit cards with Bank of America. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying XXXX every month for over 2 years by these very mean and rude people at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I called XXXX XXXX XXXX. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

XXXX XXXX XXXX faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( XXXX XXXX XXXX ) did to me has to be unlawful.
Consumer complaint received 2022-01-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-31
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (PA)

Company called family members disclosing information about debt and threats of consequences. AMEX should NOT be calling my parents at all at this point! Normally they are only allowed to contact a XXXX party XXXX time and only to obtain current contact information and not to discuss ANY details of the debt and certainly not to collect it from anyone other than the account holder. Calling repeatedly is technically illegal and very much against FTC guidelines according to the FDCPA ( Fair Debt Collection Practices Act. )
Consumer complaint received 2022-12-02
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. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Department Of Education XXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

TransUnion provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

XXXX denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and TransUnion accepted. 

When I call their support numbers to request mailed reports, both Transunion and XXXX mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free XXXX credit reports during the pandemic. 

XXXX has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus.

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (AZ)

XXXX XXXX XXXX. I have made XXXX  payments ahead on my account. I was paid ahead until XXXX XXXX XXXX. My account now says that my payment is due next XXXX when XXXX XXXX ago it showed ahead XXXX XXXX. I tried to call the customer service line but they stated they are applying all future payments to principal and not payments ahead like it showed just XXXX XXXX XXXX. My payments have been misapplied.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

My husband and I purchased jewelry at an XXXX  store on XX/XX/22. We wanted to get their credit card so we could make payments without interest. My husband was approved immediately. I was denied a card after completing the application and speaking to a representative. 
I received a letter in the mail from the bank on XX/XX/22 asking me to call them to verify my identity. I called and was again declined. I asked for a supervisor. I then spoke with XXXX. She stated that I was declined credit, there was no more information she could ask me to prove my identity, she could not give me a reason and that there was no one higher than her that I could appeal to. 
I believe this to be a violation of the federal equal credit opportunity act because my husband was approved immediately and I make twice as much money as he does and neither of us are in debt and we both have high credit scores. 
Everything points to age and gender discrimination.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I applied to Sam 's Club Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " too few commercial credit card accounts '' and that is bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (WA)

I made a watch purchase that I never received. Item was returned to sender and sender ( XXXX ) issued a refund. Refund was not issued by the credit card company Apple Card ( Goldman Sachs ). They keep charging me for a refund they received on their end.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The cestui que trust, XXXXXXXX XXXX, was set up to pay all my bills and because CAPITAL ONE have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with CAPITAL ONE as the Trustee. As the Trustee, I would like to remind you that CAPITAL ONE, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 

On XX/XX/XXXX XXXX XXXXXXXX I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/ but my account has not been created.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I received an email from Experian steering I had a new credit activity. Being I've done nothing on credit since my car, I lied in to view it only to be inundated with ads, offers, requests etc. I could not navigate to see the new activity due to the ads. Being this company controls my credit, I should have free uninterrupted access whenever I'm notified of activity. 
I feel they send the activity email to sticker be too go to their site to sell me stuff.
Consumer complaint received 2022-08-27
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. (OK)

In accordance with the Fair Credit Reporting Act - XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 Consent
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

XXXX is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. Experian is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I have made a purchase through PayPal on the XXXX XXXX website. The merchant failed to ship my merchandise - shipping only a portion of the order ( {$120.00} worth ), and not shipping more expensive items ( {$280.00} worth ). The merchant created XXXX  shipping label ( XXXX ) yet the items were never sent to XXXX. When PayPal investigated the case, they agreed with the merchant that items shipped previously satisfied my claim. However, PayPal did not give me an opportunity to support my case and simply closed it with no further recourse, when merchant sent to PayPal two earlier shipment receipts. I clearly stated in my complaint to PayPal that my claim was : 1. The merchant defrauded me by not sending the expensive items and creating a fake XXXX label 2. The items that were shipped were of the substandard quality I believe PayPal misleads public by offering case resolution and protection services when in fact, it sides up with fraudulent merchants without giving customers a chance to recover money. I learned that the XXXX is a XXXX company and I have asked PayPal to stop supporting this fraudulent merchant, to which they refused. I believe by supporting fraudulent merchants, PayPal itself engages in fraudulent activities.
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Over the last few months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting validation on multiple occasions for a debt that is listed on my credit reports. I have been asking for evidence that bears my signature that shows that I have a contractual obligation to pay Midland. I have not received anything that I requested and it is still listed on my credit reports from all XXXX of the Credit Reporting Agencies.
Consumer complaint received 2022-02-19
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX