davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
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 had unsolicited changes to my report without my approval, and Experian sent me an email stating my FICO score had dropped nearly 100 points because of a XXXX XXXX XXXX XXXX Credit Card glitch in transaction clearing and transfer payments from one acct to the cc account. It was taking one full month to clear due to the use of Snail Mail instead of electronic clearing. 
Experian states they are using a different Scoring System than everyone else, WHICH IS WHY THEY WERE FINED XXXX XXXX . 
EXPERIAN SENT ME AN EMAIL NOTIFYING ME OF THE SUDDEN DROP-AND FAILED TO GIVE THE INFORMATION AS TO WHY THIS HAD HAPPENED. 
INSTEAD, THEY SENT ME AN APPLICATION FOR ANOTHER CREDIT CARD THEY PROMOTE. THIS INDICATES THEY RECEIVE POINTS OR CASH FOR DOING SO. 
THEY ARE INSISTING THAT SENIORS, IMMIGRANTS, AND XXXX PERSONS ARE SCRUTINIZED BY THE SAME REPORTING COMPLIANCE AS WEALTHY PROFESSIONALS WHO OWN REAL ESTATE, STOCKS, BONDS, AND ANNUITIES. 
I WILL BE FILING AN ADA ACT CIVIL RIGHTS ACTION COMPLAINT AGAINST EXPERIAN FOR USING COMPELLANT AND PREDATORY LENDING STRATEGIES TO COERCE A XXXX CONSUMER INTO USING THEIR EXCLUSIVE PRODUCTS. 
THIS IS THE SECOND OFFENSIVE STRATEGIC " SPAM '' EMAILS SENT TO ME, ALONG WITH A CREDIT REPAIR SPAM EMAIL ( SENT TWICE. ) THE FIRST EMAIL PROMPTED ME TO SURVEIL THE WEB FOR CLASS ACTION SUITS AGAINST EXPERIAN. 
THAT IS WHEN I UNCOVERED THE XXXX XXXX $ FINE THEY WERE FORCED TO PAY BECAUSE OF THE CREDIT SCORING SYSTEM THEY USED THAT DID NOT FALL UNDER COMPLIANCE GUIDELINES. 
I FEEL LIKE THEY ARE HARRASSING ME AND USING COERCIVE AND COMPELLANT STRATEGIES TO FORCE ME TO APPLY FOR MORE THAN ONE CREDIT CARD THEY RECOMMEND. 
EXPERIAN MUST USE THE SAME UNIFORM REPORTING SYSTEM AS OTHER AGENCIES. 
THEY HAVE DISTRACTED ME FROM RESOLVING THE CREDIT CARD GLITCH WITH XXXX  XXXX XXXX. 
I AM ASKING WHY WE AS CONSUMERS EVEN NEED CREDIT CARDS, IF IT IS MADATORY THAT THE FULL BALANCE BE PAID OFF DURING THE SAME BILLING CYCLE AS THE CHARGES WERE MADE. CREDIT CARDS ARE SUPPOSED TO FINANCE DEBT. 
WHICH BRINGS ME TO ANOTHER QUESTION. THE XXXX XXXX XXXX XXXX CARD IS A XXXX % FINANCE FEE. IS THERE SOMETHING I AM MISSING HERE? 
MY OTHER FIRST SERVICE CREDIT UNION CHARGE CARD ALLOWS THE CHARGE BALANCE TO EXCEED MY LIMIT. 
I WILL BE REPORTING THIS AS WELL IN A SEPARATE REPORT. 
IN CONCLUSION, CREDIT CARDS ARE PREDITORS IF THEY HAVE COMPELLANT AND COERCIVE STRATEGIES TO PERSUADE THE CONSUMER ( AFTER PANICKING ) TO BORROW MONEY NEEDLESSLY OR USE OTHER PRODUCTS WITH THE SAME COVERT STRATEGIES THAT HARM A CONSUMER 'S CREDIT STANDING. 
THANK YOU, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

I dont have no knowledge of any debt owed to any of these companies associated with the account names and numbers listed below. I do not owe them any money! 

Cavalry protfolio # XXXX Amount : XXXX XXXX XXXX # XXXX Amount : XXXX XXXX XXXX XXXX Amount : XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (CA)

According to my credit report this account was opened on XX/XX/XXXX the company name is Franklin Collection SV took over for XXXX XXXX. The amount on my credit report is XXXX. I haven't had XXXX XXXX   since XX/XX/XXXX or XX/XX/XXXX this is NOT my account. I attempted to remove it from my credit report and it's been rejected twice. I called XXXX XXXX last year when I got a bill for this to tell them that I haven't had service with them in years and the representative told me to disregard it because they couldn't find it in their system. I even went to a XXXX branch in my area they also couldn't find it and told me to disregard this and it was an error on their part.
Consumer complaint received 2023-09-10
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: U.S. BANCORP (CA)

Went through XXXX with XXXX, and according too the XXXX company myself nore USBANK. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons USBANK, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too USBANK, supposedly Attorneys. At first they claim USBANK, said the accounts were not there's. Then a week before the Judge ruling USBANK through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " USBANK Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? USBANK Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.
Consumer complaint received 2019-04-02
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Recoveries, Inc. (MI)

I have tried several times to reach someone at this business. Today was the third time I've called and been hung up on. On XX/XX/2019, I was hung up on after a 7 minute wait. Today, XX/XX/2019, after a 12 minute hold, I was hung up on. On XX/XX/2019, I tried to call and get service. XXXX hung up on me at XXXX. She told me to call XXXX. I did. After a 30 minute wait, I was hung up on. On XX/XX/2019, after a 30 minute wait, XXXX hung up on me. Last week, I called and I got a name, XXXX XXXX, ext XXXX, so I could specifically ask for her. But when I ask, I get hung up on. I tried to call and confirm that they received my paperwork. This is absolutely ridiculous. It's like a second job trying to get this resolved with this company. 11 min again.
Consumer complaint received 2023-02-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2023 by Florida HAF and M & T still has not posted the payment to my account. My mortgage is now 27 days due to their negligence.
Consumer complaint received 2022-05-04
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. (TX)

To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.
Consumer complaint received 2019-04-02
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-02-15
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX someone else used my credit card fraudulent to purchase an XXXX XXXX XXXX XXXX without my consent at an XXXX XXXX XXXX XXXX XXXXXXXX. 
The credit card was in my possession at all times. After finding out that my card was charged fraudulently I contacted Citibank ( the card is theirs ) and let them know on the same day that my card was charged for the amount of {$1500.00}. They replaced my card with a new one and a new account and the amount was put on hold due to the fraud investigation. 
On XX/XX/XXXX the charge was reinstated. Contacted credit card and their answer was that the charge on my credit card was valid and myself picked up the merchandise from the XXXX store based on the answer from XXXX. This charge is not valid. I was not ordering anything and i did not pick up anything from that store period!!!. Of course XXXX said it was me because they do not want to be left empty handed!!! Shame on them!!! 

If this is the way that a credit card company is protecting their consumers then they are very WRONG!!!!.
Consumer complaint received 2019-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I had spoke to one of the workers at a checksmart  letting her know that i would be able to pay on my loan on XX/XX/2019 and it was before the XX/XX/2019. I was expecting my paycheck to be in my account on the XX/XX/2019 but checksmart took my whole paycheck. I'm angry i have rent and other bills to pay on top of that I'm getting my children back so imagine how upset and angry i am.
Consumer complaint received 2019-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

FRAUDULENT SERVICE FOR XXXX XXXX. I ALREADY TOLD THEM AND REFUND MY MONEY BACK.ITS BEEN ALMOST A YEAR AND STILL DONT GET BACK YET. 
ACH TRANSFER FROM BANK OF AMERICA TO XXXX XXXX  ( XXXX XXXX XXXX ) FOR TRADE TOTAL AMOUNT {$2200.00} XXXX XXXX CALIFORNIA ACCOUNT ACCOUNT # XXXX ROUTING # XXXX DATE - XX/XX/18 -- -- {$1100.00} DATE - XX/XX/18 -- -- {$1100.00}
Consumer complaint received 2024-04-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated messages
Company: Stellantis Financial Services US Corp. (TX)

multiple voicemails being left on the same day- as example- Today XX/XX/2024 called left message @ XXXX ; XXXX XXXX and again XXXX XXXX, yesterday XXXX XXXX XXXX  and again XXXX XXXX, Wednesday XXXX -- - these are recent examples- this happened in XXXX as well and previous months
Consumer complaint received 2019-04-02
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)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the  attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-02
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. (CA)

XXXX XXXX XXXX  XXXX I have never opened an account with this company. This company is seriously impacting my ability to get a job, and the bureaus is not maintaining fair accurate information. This company also fraudulently pulled my credit without my consent.
Consumer complaint received 2019-04-02
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. (AL)

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, Equifax, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Consumer complaint received 2019-04-02
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. (MD)

On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX  on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX
Consumer complaint received 2019-04-02
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. (MD)

On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX
Consumer complaint received 2019-04-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chaos Home Loans LLC (KS)

OnXX/XX/2019 I applied for a VA home loan through Chaos Home loans everything was going good and we where supposed to close XX/XX/2019 that didnt happen and got pushed to the XXXX that didnt happen either we finally signed papers on the XXXX of XX/XX/2019 since then they have not funded the loan they keep coming back and saying there is an issue and they need more documentation I send it to them they tell the title company the funds ha e been sent then say it is held up by the bank. To make a long story short we keep getting lied to here it is XX/XX/2019 and they still have not funded the loan. I have a numourouse amounts of text and emails showing everything I am saying.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one person.
Consumer complaint received 2023-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NJ)

my name is : XXXX XXXX FIRST NAME : XXXX LAST NAME XXXX. 
EXPERIAN HAS XXXX DIFFERENT NAMES IN MY CREDIT REPORT ON THEIR WEBSITE. 
i STRONGLY DISAGREE WITH EXPERIAN.
Consumer complaint received 2019-04-02
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ResidentCollect, Inc. (TX)

Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # XXXX for these complaints are as follows XXXX, & XXXX.
Consumer complaint received 2019-04-02
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Citibank is currently charging me several late fees that have amounted to {$250.00} dollars plus interest. It has become excessive, perversive and impossible to use the card. I have never been late and I have always paid all of my bills monthly. Citibank has come out in the news explaining how they do not over charge with late fees, but this is what they have been doing in my account.
Consumer complaint received 2019-04-02
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. (CA)

contacted to Experian about removing XXXX card XXXX from my credit, they said they would take care of it, item has failed to be deleted. This account is not accurate and is affecting my ability to get a job.