davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (GA)

I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX. XXXX XXXXXXXX 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 2023-09-14
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2023, I purchased a merchandise from XXXX XXXX - XXXX - XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) for the amount of {$1900.00}. When I received my first statement it showed that I needed to pay {$2800.00}. I received my first statement on XX/XX/2023, from XXXX XXXX XXXX ( this was opened through the XXXX store ). I immediately called to speak to customer service XXXX. The person answered the phone handled very nicely and told me that they will look into it and get back to me. She also told me that in the meantime I should submit my monthly payments which I did. Nobody contacted me, then I received my second statement, they wrong amount was still there. I called again and the same thing, the person who answered the phone ask me more questions and asked me if I have the receipt, which I do. She told me sending the receipt should be able to fix the problem. I sent the receipt on XX/XX/2023. I did not receive anything from them, so I call them back to ask if they have received my letter with the receipt and the person on the phone told me yes and she said not to worry.
Consumer complaint received 2017-08-30
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. (NC)

I have disputed these XXXX accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly
Consumer complaint received 2022-08-26
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. (SC)

XXXX, EXPERIAN. Attached is a screenshot of the unauthorized inquiry from XXXXXXXX XXXX XXXX This company pulled my credit without my written consent! I disputed this inquiry and Experian did not remove it from my credit report. XXXXXXXX XXXX XXXX can not provide Experian a certificate stating that I gave them permission to pull my credit. I have contacted XXXXXXXX XXXX XXXX by phone and they said they did not pull my credit. 

I also have a sercurity alert on my Experian credit report. I did not receive a call notifing me that XXXXXXXX XXXX XXXX was pulling my credit report. 

Experian is violating consumer law 15 US code 1681b.
Consumer complaint received 2021-08-28
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: EQUIFAX, INC. (TX)

Ive contact Equifax multiple times about inaccurate inquiries that was not authorized by me and I know according to the fair credit reporting act any things that has not been verified or authorized legally has to be removed The first 1 is XXXX XXXX XXXX cre on date XX/XX/2021 The second is XXXX XXXX on XX/XX/2021 The third is XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/2021 XXXX
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

-I saw an investment AD online that guaranteed triple your investment within 24 hours. I invested {$3500.00} through XXXX and then realized it was a scam when I tried calling about my money and they just kept asking for more. Months later I did not get anything. I tried reporting it to my bank and they rejected my refund of getting my money back.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credence Resource Management, LLC (CA)

In XX/XX/XXXX, I noticed my credit score suddenly dropped about XXXX points. I immediately called XXXX to understand what happened as I always pay credit cards on time and have no debts. I was informed that a company called Credence Resource Management was trying to collect a debt regarding internet services from XXXX XXXX XXXX for {$180.00}. 
On XX/XX/XXXX, I immediately disputed the charges and provided proof that XXXX confirmed the cancellation of my services on XX/XX/XXXX. However, XXXX continued to charge me through XX/XX/XXXX, despite confirming my services ending in XX/XX/XXXX. 
- XXXX removed my account from being visible so i never even knew that there was a charge on my account to begin with. 
- I was NEVER notified or contacted by Credence Resource Management about their attempt to even collect any debt. I have no mail or email or phone calls from them.

After I disputed with Credence Resource Management and provided proof of service cancellation, they replied on XX/XX/XXXX, claiming the charges are valid. I called them to understand how that is possible and they said they no longer handle XXXX & XXXX as an account, so they wouldn't even be able to collect the debt, let alone investigate it. 
I called XXXX on to find out who they have hired to collect the debt and NO ONE was able to help me, none of the representatives were able to find out that information. I have call logs for 2 hour and 10 minutes until i reached someone who was able to take the payment. I proceeded to pay the {$180.00} in hopes that my credit score can go back to normal - at this point my main concern was my credit, not the charges even though they are invalid. I still do not know who XXXX has hired to collect a debt that i never owed in the first place, nor do i know how to bring my credit back to its original score. 
I am asking for justice and help here, I am a model citizen, i pay my taxes and have no debts, with a perfect credit score. This situation has completely stopped my ability to buy a home, or even move to an apartment because my credit got hurt by something i did not even know about. This probably has gone on my record as well without my knowledge, hurting my chances to ever buy a home or getting clear background checks. Please help me resolve this matter to bring my credit score back to normal. 
I appreciate all your help and have attached the documents that provide proof of cancelling internet service along with my email with Credence Resource Management, who investigate a charge for an account they do not even work with. 

Thank you. 
XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Conn's, Inc. (NC)

Conn 's XXXX recieved a claim to verify an alleged debt. Pursuant to 15 usc 1692g ( 4 ) as of XX/XX/2021 I have not seen nor am I aware of the validity of the alleged debt.
Consumer complaint received 2022-08-26
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. (NY)

15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number XXXX
Consumer complaint received 2022-08-26
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. (NY)

15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number XXXX
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have paid off my car loan with XXXX XXXX XXXX. For a XXXX XXXXXXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.
Consumer complaint received 2022-08-26
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. (FL)

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
Consumer complaint received 2022-08-26
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. (FL)

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
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-26
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: JPMORGAN CHASE & CO. (MI)

I rented from XXXX, using Chase XXXX XXXX card ending in XXXX. The rental reservation XXXX from XXXX, shows the mileage in and out as conflicting with the actual usages. The information as stated on the final rental receipt is an usage of XXXX miles during this rental period. The actual usage is as below : 1. Origin : XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX MI XXXX ( and back ) every alternate day during this period. 
2. Number of commute days : 3 days / week for 5 weeks and 2 days in the prorated week thereafter, = XXXX + XXXX = 17 days 3. Distance driven each day : XXXX miles 4. Total : XXXX miles, which, even at an approximation of XXXX miles does not correspond to the stated mileage of XXXX miles I was given only one key to the vehicle as against the standard practice of 2 keys indicating potential misuse of vehicle.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Dear Sir/Madam I was shopping for a mortgage ( first-time home buyer ) and asked two lenders for preapproval and the interest rate. one inquiry was made on XX/XX/2022 and the second on XX/XX/2022. However, these two inquiries did not count as one. I would like this to be resolved. 

Thanks XXXX
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do my everyday banking with Bank of America. Back in XXXX, I set up an automatic monthly wire transfer to pay my rent of USD XXXX to my landlord. When I moved out in XX/XX/XXXX, I cancelled this automatic monthly wire transfer. On XX/XX/XXXX, I received a text message from this landlord informing me that they unexpectedly received USD XXXX from me. When I logged onto my Bank of America account, I confirmed the money was indeed withdrawn from my account. When I went to the page where one can set up automatic wire transfers, I found to my surprise that the monthly wire transfer I had cancelled was back ... as if I hadn't cancelled it. I know for a fact that I'd succeeded in cancelling it, because no money was was withdrawn in XXXX or XXXX. 

When I contacted Bank of America, they didn't help retrieve the money and they didn't even acknowledge their systems had malfunctioned. They simply instructed me cancel the automatic wire transfer again and to coordinate with the recipient to recover the money. I'm now paranoid that this will happen again. 

My hunch is that they reverted their systems to a back up they had, and in that back up, my wire transfer had not been cancelled yet...
Consumer complaint received 2022-08-26
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: National Credit Systems,Inc. (FL)

See attached. 
National Credit Systems Inc provided me with an alleged agreement that was used to " validate '' this debt. This agreement is in clear violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
This agreement does not have the Required disclosures to OPT out of having my information reported. 
Furthermore, I have not been provided with a copy a dunning letter.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VT)

On XX/XX/2022 I submitted a dispute with experian, because they were reporting incorrect information on my credit report. 

One item was not cleared in this dispute from XXXX XXXX XXXX XXXX, however, XXXX confirmed that they reported the loan was discharged with my XXXX XXXX  bankrupcty, but that experian reported their response to the dispute incorrectly. 

I called the bank to ask them if there was anything they could do. They submitted a manual change in the e oscar system, so I called experian to ensure this was received. When I called, the representative said they had never heard of the e oscar system. 

I filed another dispute with the representative on the phone at experian so XXXX could reply again. 

Today, XX/XX//XXXX  the second dispute was responded to, but is still not reporting accurate information. The updated report shows that my XXXX loan was still charged off, which is not accurate.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I. After my Forbearance Plan ended XX/XX/ 2022, LoanCare sent a letter dated : XX/XX/2022 denies all other mitigation assistance options ( with appealable reasons ) except for XXXX XXXX Flex Modification, offer to be received in 15 days. I have never received this Flex Modification offer as of XX/XX/ 2022 ( see attached ) II. Never granted communication access to XXXX ( aka XXXX XXXX XXXX ) on multiple attempts for multiple XXXX  As per my Homeowners Bill of Rights a XXXX is a single point of contact which will explain resolution options, report consistent loan status and notify consumer of any required action for completion of modification assistance application and deadlines regarding that action. 

III. Never received a Notice of Default or Foreclosure but received letter Dated XX/XX/2022 ( received XXXX XXXX, 2022 ) stating that there 37 calendar days or or less before a scheduled foreclosure sale. In addition this letter states that an application for Loss Mitigation Assistance is incomplete, after I have already been evaluated for options and qualified for a XXXX XXXX Flex Modification Dated XX/XX/2022 ( item # I ). ( XXXX XXXX, 2022 see attached ). 

IV. Since entering Forbearance I have been discriminated against by not being provided access to entitled services e.g. Online/Web tools to be able to manage my loan. The restricted services included payment, accessing payment history, exchanging documentation, etc. I became a Foreclosure target as soon as I entered Forbearance.
Consumer complaint received 2022-08-26
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. (NY)

15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number XXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VT)

I've been a customer of JetBlue Barclays Mastercard for over five years. I've never been late on a payment and have always made payments in full. 

On XX/XX/XXXX, they did not accept my payment for an unknown reason. I tried via the app, website, and over phone to make the payment. They were " processing '' the payment until XX/XX/XXXX. 

I contacted my bank as well and there was nothing they could do. 

On XX/XX/XXXX, I was charged interest of {$96.00}. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$96.00}. 

On XX/XX/XXXX, I noticed they retroactively added a new interest charge of {$86.00}, but issued on XX/XX/XXXX. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$86.00}. 

On XX/XX/XXXX I was charged interest of {$37.00}. 

I called on XX/XX/XXXX to dispute, they refused to issue a refund because a payment on XX/XX/XXXX happened from the " time my bill was sent to me until the time the card issuer received my payment ''. 

I've never dealt with this until XXXX and XXXX of this year. I have been a loyal customer and never made a late payment. These charges are bogus.
Consumer complaint received 2022-04-14
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. (AR)

On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on XXXX of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

We have paid this car lease with American Honda Finance on time every month since we leased the car in XXXX. There was never a a late or missed payment. We traded the car in two months before the 39 month end lease and it was paid off by the dealer. At the time in XXXX and ever since they have said the last payment ( # XXXX ) was late and it has been on both my wifes and my credit report ever since. We have fought with them to have it removed. The car was paid off two months prior, how could the last payment be late? About a month ago while checking my credit report, I found XXXX has added nine, yes nine late payments from XXXX that never happened some over 90 days past due. If a car was 90 days past due it would have been repo-ed. These nine late payments were never my report until a month ago. They never happened.