davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MD)

Convergent outsourcing is billing me for an incorrect agreement. When I try to contact them, whenever I give an agent my information then name I am always hung up on. They have not honored our agreement, the one time I was able to speak with someone which was months ago, they told me the issue was resolved, lie. I have done research and have now noticed that others have had similar issues with this company. I am doing my part and just filing my complaint as those before have done.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (LA)

I was sent an adverse action notice on XX/XX/2023, that denied my application in a consumer credit transaction. The notice further stated that the decision to deny me was based on information shared without my consent and used to discriminate against me. As explained in federal law under 15 USC 1602 ( f ) credit is the right granted by a creditor, which means access to credit extended is my lawful right as I am a creditor as described under 15 USC 1602 ( g ) because I regularly extend consumer credit. I initiated this transaction with my credit card under 15 USC 1602 ( l ) and this corporation utilized my credit card for there own profits and gains and I received no benefit from this transaction as required by federal law under 15 USC 1602 ( p ), means they violated the law because it was unauthorized use. By discriminating against me in attempting to deny my right to exercise my right to extend credit and receive benefits from the application for credit under 15 USC 1691 ( a ) ( 3 ). To resolve this matter, I am requesting that I be granted the credit that I extended the application for without any further discriminatory restrictions.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-17
Product: Other financial service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP (NM)

In an understanding of an " integrity and fairness to all '' are the importances of a XXXX Program. 

US Bank in Frauding and Scamming has recovered Treasury Monies in Disputes with Merchants and their Automated Deposits yielding potentially, $ XXXX {$4000.00} per Year since, XXXX. 

XXXX, XXXX, XXXX
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX, 2017 RE : Bank of America Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, XXXX XXXX
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OK)

I had purchased something through XXXX. About 2 months later i received an invoice from XXXX XXXX. I had no idea whoa they were. On the invoice it showed XXXX purchases and late fees of almost {$100.00}. I contacted the company and spoke to rep. It took almost an hour for him to finally tell me that XXXX was formerly XXXX I had used them about a year earlier and had paid the statement. I was told that although I had thought that I was currently using XXXX, somehow my charges were transferred XXXX. I asked the rep if that were true, why had I not ever received an invoice. I told him if I check and I do owe the charges, I would pay them. However, we disputed the late fees. I told him I was not going to pay late fees since I had no responsiblity. We had a heated discussion and he said he would file a dispute. 

After that I started getting collection calls XXXX or XXXX a day, sometimes XXXX. I contacted XXXX XXXX by email telling about the situation. Shortly after, I received an email back from the Attorney for XXXX XXXX saying the calls would stop. The calls continue to this date. I have my phone log since these calls started. I swear to you and I will show you each call, that there are at least a XXXX calls, probably more. 

You know, I was in the service during XXXX XXXX when I had been XXXX by people just for wearing my uniform. As a result of my term of duty I was awarded XXXX Part of that includes XXXX. 

I really do n't know how more of this I can take. PLEASE HELP ME. I have everything I have stated that I have and, you or any representative you may want to review any of this at any time to verify all this. 

Thank you so very much for any help you can provide. 

XXXX XXXX XXXX
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Letters were sent to the collection company asking to verify the debt they claim belongs to me. I have received letters saying it 's a verifiable debt but when asked for proof they send me copies of a bill. I havent received anything shows by that I signed for or agreed to pay this debt nor have I received information letting me know that I am responsible for this debt. Every time I ask for this proof they re age the account on all XXXX of the credit bureaus with an updated ( current ) date.
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Hello : This is in regard to Portfolio Recovery. They claim, and have entered on my credit report, I owe them and/or XXXX XXXX, {$1400.00}. 

I believe this to be false, as I 've had many accounts with XXXX XXXX, and have paid them in full. Also, a date of XXXX delinquency of XX/XX/2008, which I 'm sure is wrong. 

Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have been a customer of Kohl 's and have had a credit card with them for close to 10 years now. I recently noticed on my statement that the XXXX had changed from 23.99 % to 24.99 % without getting any notice from Kohl 's on the increase in the interest rate. I called and asked them to explain to me how they were able to increase the rate without informing me, and they stated the letter " must be lost in the mail ''. Now, they do have my email address, and phone number so I would say there would have been other ways for them to contact me especially considering I am a loyal customer. This is what I currently have on my statement : Purchases 24.99 % ( V ) {$1200.00} - interest charged for the month - {$25.00} PROTECTED BALANCE 23.99 % ( V ) {$580.00} - interest charged for the month - {$11.00} They also told me the Protected balance is purchases I have
made prior to the increase in the XXXX, but again I was never informed or agreed to the new terms.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

XXXX Bank sold my charged off acct to Portfolio Recovery Assocs. Portfolio Assocs ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and Portfolio will only reply with the same XXXX inaccurate statements that they received from XXXX. There is a court order against XXXX and XXXX was to apply credits to qualified XXXX acct holders accounts. XXXX spun off from XXXX and acquired many accounts of which XXXX was to apply the deductions. XXXX DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified XXXX Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against XXXX XXXX XXXX unless I called Portfolio Recovery Associates. How? XXXX has the account information. Portfolio only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by Portfolio Recovery Assocs. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under Portfolio 's attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.
Consumer complaint received 2016-03-01
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (CA)

XXXX XXXX Filed False Paperwork into the county Records a crime PC115 causing a cloud on my title, Exhibit A XXXX XXXX Misrepresented themselves by substituting XXXX XXXX Exhibit ( A ) as Trustee then using TRUSTEE CORPS as a Trustee on other paperwork. 
XXXX XXXX took an action it was not legally entitled to take violating 1692 ( e ) ( v ) XXXX XXXX Failed to Disclose who the Foreclosing Party they allegedly Represented was ( Unjust Enrichment ) EXHIBIT ( B ) ( C ) XXXX XXXX used the courts and police & Sheriff Department to Forcefully Remove my from my Home by Filing False Court documents.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I went on line to Equifax to get my credit score which was XXXX. I have never had a score below XXXX. I called and got no where. Also sent emails to them after checking my XXXX Fico Score of XXXX and my XXXX Credit Score of XXXX. Presented those to XXXX but primarily got the same answer that they could n't do anything about it. They are incorrect. What can be done? 
Thanks, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-09-06
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2016-09-16
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: UNITED AUTO ACCEPTANCE (GA)

Called outside of the XXXX and XXXX Threatened jail and warrants for my arrest regarding debt Discussed details of my account with others ( that were listed on loan application ) without my authorization Discussed details of my account with others ( that were not associated with me or listed on my loan application ) Left threatening details on voicemail with contacts on my loan application
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: IQOR US INC (CA)

This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I am a Citi Thank you XXXX user. My card seemed compromised XXXX XXXX, 2015, and I requested card replacement with new account number right away. I needed instant replacement, because I pay my bills and use this card for all purposes with my XXXX other family members. As of today, I have been waiting for 11 days since XXXX, however, I have n't received my replacement card yet. So I contacted customer service to acquire the tracking number for my new card and they replied me back as below. 

We appreciate the opportunity to assist you. 
Our records indicate that your card was sent on XXXX/XXXX/15. If this card is not in your possession, we can process a security closure of this account. For proper security measures and a new account number, please contact us. 
If there is any way we can be of further assistance, please feel free to contact us Citi Card shipped my replacement on XXXX?! I assume the rep should n't be trained to advise customers with that way. There is no apology, and the rep is telling me to replace the card again. He/she does n't get my point and does n't care how inconvenient I, their customer, am with this credit card. 
I do n't know how to reach there supervisor, so I 'm posting my complaint here.
Consumer complaint received 2022-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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.

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX- ACCOUNT NUMBER- XXXX
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North American Credit Services (GA)

There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.
Consumer complaint received 2018-03-18
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: AMERICAN EXPRESS COMPANY (CA)

Many fraudulent charges through XXXX into one of the cards of my American Express account. The total amount of Unresolved disputed charges exceeds {$900.00}, accumulated over several months. Upon my first detecting and reporting the case, in XX/XX/XXXX, AmEx issued credits although for less than the total amount reported. That card ( of 4 in the account ) was cancelled and replaced by a new one ( with a new number ) but many more fraudulent charges kept arriving at the new card from the same source, without AmEx doing absolutely nothing to protect the account, by blocking them or issuing warnings to us, despite the recent experience from the month before. So, we stopped using that card in XX/XX/XXXX. Since then AmEx kept doing nothing to resolve this situation, i.e. issuing the credits as requested. After half a dozen calls to try and resolve the situation, all unsuccessful, I closed the AmEx account in XX/XX/XXXX after paying all other charges up to that date. Since then, after several more calls to resolve the situation, AmEx still has not even opened a File with a Case Nr. to register this situation, per my last call on XX/XX/XXXX. I have received tree fax numbers -- ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX -- to send documents, none of them work. Furthermore, AmEx doesn't provide addresses to send them the information by either email or postal service. Attached copies of the Statements containing all fraudulent charges credited ( checked ) and still open ( circled ).
Consumer complaint received 2016-06-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IN)

I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.