davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Hello, I am currently banking with USAA. On XX/XX/XXXX my account was hit with a string of fraudulent charges, the first of which was a charge from a company called XXXX XXXX XXXX ( name on charge ). This is the first time that this company has ever appeared on my account in the 7 years or so I have had this account. It is also the first of multiple charges ( all within minutes of each other ) that were all indeed found to have been fraudulent. I had no idea what this company even was until today. I did some research and found that the phone number associated with the charge is connected to the company XXXX and I believe ( trough the research I did through XXXX ) that this particular purchase was for what appears to be business cloud services through XXXX software of some kind. Well, first off I am a XXXX   XXXX  who does not even own a business of any kind or sort. So, why in the heck would I spend almost {$240.00} for cloud services for a business. It literally makes no sense. To add to that point I also do not have an account with XXXX, if i don't own a business, I don't even have an account with XXXX, and I have never purchased anything for " XXXX XXXX XXXX '' in my entire history of having an account with USAA, how could they possibly have actually done an investigation into my fraud case and determined that I somehow made this purchase. This seems to be an attempt to extort what money they can from their customers and hope that they do not look into or fight it. Well I am looking and I am fighting, because I DID NOT MAKE THIS PURCHASE AND IT IS VERY VERY VERY CLEARLY FRAUD. 

Thank you, XXXX XXXX.
Consumer complaint received 2018-06-24
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. (IL)

On XX/XX/2018 I've paid XXXX XXXX XXXX {$1000.00} as payment in full to settle a debt after a financial crisis. Upon payment a representative name unknown mentioned he would update credit file. 2 reporting cycles has passed and XXXX XXXX XXXX for XXXX has fail to fulfill there end of agreement. this continues to hurt my credit score badly for chances to buy my family and i a home as well as rebuild my credit reputation in good standards.
Consumer complaint received 2018-06-24
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: Acceptance Rentals, Inc. (AL)

I have disputed this account with XXXX  and the only response I get is verified. I ask XXXX XXXX/Accptance Rentals for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

I went into the branch. 
I was told by XXXX, the rep that I could not open an account at all. 
I had one previously. 
She printed the statement. 
It shows all kinds of fraud but yet Well Fargo never notified me at all. 
She had no explanation for me at all. 
I call their 800 number ; they didn't have any answers either.

How can I dispute anything when I'm not aware of them.

Bank never notified me.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MO)

I ended my Cell phone service XXXX  in XXXX, that is the year that I switched to XXXX. I have not had a XXXX account since then. It now says that I opened a XXXX  account XXXX XXXX. I have never opened an account in XX/XX/XXXX XXXX as I have had XXXX for years. I reached out to the deb collector XXXX, for a validation letter and have not heard anything.
Consumer complaint received 2018-06-24
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: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2018 I've paid XXXX XXXX XXXX {$1000.00} as payment in full to settle a debt after a financial crisis. Upon payment a representative name unknown mentioned he would update credit file. 2 reporting cycles has passed and XXXX XXXX XXXX for XXXX has fail to fulfill there end of agreement. this continues to hurt my credit score badly for chances to buy my family and i a home as well as rebuild my credit reputation in good standards.
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. There are multiple inaccuracies with this account and with the way it's reporting and would like it to be removed immediately from my credit report. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They are restricting access to my financial data. I am using a program to help me reduce debt and I need it to be able to connect to my account but Capitol One is not allowing that ability. I have the right to my financial data through whatever means I deem suitable. It is a violation of my rights if they restrict access to my financial information
Consumer complaint received 2017-08-23
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. (TX)

XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the TransUnion report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the TransUnion report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

Chase sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. Chase representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.
Consumer complaint received 2017-08-23
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: Byrider Franchising, LLC (OH)

After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

On XXXX XXXXXX/XX/XXXX a tow truck came to my driveway while I was out of the country to tow my car - XXXX XXXX XXXX, a car I am financing with Fifth Third Bank. When my wife asked why, the two truck driver said for non-payment. However, my monthly payment is setup for auto deductions. For some reason the auto deduction didn't get processed and the bank made no efforts to reach out to me through email or call. My wife called me immediately and I tried to resolve the payment with them bu offering make payment immediately but the they refused and insisted on towing the car. I called the office and finally wired the outstanding balance to the bank after the car was towed. Since then, my car is still in possesion with the bank despite paying for the missed payment and all expenses, including the tow cost. 

I felt the Banks actions was predatory, discriminatory, unfair, dishonest and unprofessional. It looks to me that the bank was more interested in repossessing the car and getting business for their affiliates - XXXX XXXX than getting their missed payment. I was hoping that given my credit history records for non-missed payment for almost two decades that should inform them that its an honest system error. And they could have just taken the payment and leave my car. But rather insisted on towing it so they can make extra money on fees and also give business to their affiliates by getting me to pay for the tow. A carefully reviewed customer feedback on XXXX and realized this is what they have been doing. Deliberately making it difficult to pay you bills so they can come back get on you on fees and repossessions.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a BOGUS late payment on my mortgage loan account. i was never late. The company XXXX XXXX sent me my statement where it does not show ant LATE PAYMENTS. XXXX XXXX  also said that I was never late. I send letters to the bureaus asking or deletion of late payment and they have not done so. please see the documents that will show you that there is NOT ONE LATE PAYMENT on my account. 
This needs t be deleted from my credit report ASAP and the bureaus simply say that this issue has been UPDATED or VERIFIED!
Consumer complaint received 2018-06-21
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: EQUIFAX, INC. (CA)

EQUIFAX seems to have problems with my credit file.I notified them that on XX/XX/2018 XXXX credit works premium was unable to pull a equifax report and has not been able to since.After talking to Equifax I have sent in by fax my ID and address info. they requested.No one can pull an Equifax file on me.I can not either through annual credit report.com.I can not function in the credit world due to Equifax computer problems.

Could we make XXXX part of the BIG THREE and tell Equifax to go to another country?

I ordered a credit report from Equifax Shortly after XX/XX/18 and it has not arrived.They keep saying they are mailing one but it doesn't arrive.I have no problems with XXXX or XXXX   reports.
Consumer complaint received 2020-11-13
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: Early Warning Services, LLC (MN)

Early Warning Services is reporting fraudulent and inaccurate information on my consumer report. All of the fraudulent checking account and credit inquiries listed on my Early Warning Services Consumer Report is fraudulent accounts and inquiries, and inaccurate information. The fraudulent checking accounts or credit inquiries are not mine. I should have a clear consumer report with Early Warning Services. I have never applied for or had a checking account in my name. Early Warning Services has been reporting the fraudulent checking accounts and credit inquiries for over 10 years. Early Warning Services is in complete violation of the Fair Credit Reporting Act ( FCRA ) and I am requesting for the Consumer Financial Protection Bureau to investigate Early Warning Services and shut this consumer reporting agency down. Early Warning Services has been violating the Fair Credit Reporting Act for over 10 years listing and reporting fraudulent checking accounts and credit inquiries on my consumer report.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened an American Express business platinum card with a promotional offer of XXXX bonus points after spending {$20000.00} in the first 3 months. I completed the spend. However, American Express isn't letting me use the points. They claim they need to make sure my purchases qualify. They say it can take 6 months until they " release '' the points. It never said anything like this in the terms and conditions.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OH)

I paid my bill off by an official bank check on XX/XX/22. The check was for {$1800.00}. I Never got credit for the payment so I contacted the bank and it was cashed on XX/XX/22. Barclays bank asked me to send them a copy of the canceled check front and back which I did on XX/XX/22 certified mail. Barclays Bank received the letter with the copy of canceled check on XX/XX/22. I have called several times and were told that they are the proof of payment and it will be applied within a week. That has been going on for a month now after several other calls to the bank. As of today when I spoke to a account manager they are now saying that until they find out what happened to the payment on there end they will not credit my account and they say the process could take another 30-45 days. 

Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

ATTENTION TO PORTFOLIO RECOVERY I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company PORTFOLIO RECOVERY in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called XX/XX/XXXX twice to kohls representatives twice. 

The first one was XXXX in a XXXX  call center. 

I supposedly owed XXXX dollars. When we got done talking, she said just have to pay the XXXX dollars and thats it and she will waive everything. She said she was gon na put it in the notes but never did. 

So I called back like 5-10 min later and talked to a guy from Texas call center and asked if she put that in the notes and he said no. 

So I told him to have his team review my account and also for someone to review my recorded phone call with XXXX from XXXX. 

I havent heard anything until I called them yesterday. I talked to XXXX ID # XXXX from XXXX. She told me she couldnt honor the what XXXX said due to false information on her part. 

So I asked for corporate number or someone talk to and she said sorry theres no above me. 

But I checked on XXXX and saw there is a corporate number. 

My complaint is they are scamming me by saying one thing and doing another.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting false addresses with my name. 
attached is a list of those addresses. 
Someone has stolen my ID, DL, AND MY SOCIAL SECURITY CARD, AS WELL AS USED THEM FRAUDULENTLY.
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

XXXX XXXX works with hospitals to read XXXX. Unfortunately they also bill the patients separately and do not run Patient insurance. Therefore every patient Supposedly gets a bill in the mail. The bills have no date of service and no identifying information. The only reason I know All of this is because I have Spent months trying to resolve this with their collection agency. When you call the collection agency they dont care at all that this is happening and keep referring you back to the number that goes to voicemail. All I need them to do is submit the claim through my health insurance. When you call the number they have listed it goes to voicemail 24-7. No one ever answers the phone. 

When I first received a bill for this I sent the form back with my insurance information on it and ask them to run it through my insurance. They did not. When I got the information from the collection agency, I left A message and someone took down my information and said they would file it. They do not file it. They just keep sending you bills that threaten to report you to a collection agency. 

XXXX XXXX XXXX XXXX  and see there are 70 XXXX  reviews from people caught up in the same loop that I am.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX Acct is still showing on my TransUnion Credit Report, when it should have been removed for failure to verify. XXXX XXXX was removed from my XXXX  Credit report for this reason, but TransUnion has yet to remove it from my Credit Report. 

This account should have been removed as it was not properly verified and they never reponded to the original complaint with cfpb.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently checked my credit report, and I noticed that there is inquiries that it's not authorized by me. Those inquiries show on my credit report by somebody who has my information and try to open up a credit cards. 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 XXXXXX/XX/year>
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Sold a car warranty that refuses to cover anything. 

Total paid for thus car warranty : {$1400.00} 1.Car started acting up, called XXXX XXXX they told me to take the car wherever I wanted & have the dealership call them.

2.Took my XXXX  XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, SC XXXX. 

Dealership calls, explaining that thus company ( XXXX XXXX ) refuses to cover anything not even the XXXX $ diagnostic fee! 

Come to find out this company doesn't even have a website or physical address! I looked up the phone number provided to me by Credit Acceptance who sold me thus warranty & I found nothing but ( BEWARE SCAM WEBSITES ) referencing ( XXXX XXXX ) Please see LINKS below referencing this company its terrible! How is this company allowed to do business is beyond me! 

1 ) https : XXXX 2 ) https : XXXX HOW DO YOU NOT EVEN COVER THE DIAGNOSTIC FEE of {$99.00} Please help me CFPB!