davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX refuse to delete this account off my credit report. I have requested them to send me debt verification. They keep sending credit card statements for debt verification. This isn't legal. I'm requesting them to place my debt verification on her so yall can see what they're sending.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

I have a re-occuring issue with Barclay 's Bank of Delaware. I have 3 cards with them : 1 ) a Barclays Credit Card 2 ) a XXXX XXXX Credit Card 3 ) a Wyndham Rewards Card I have had them for some time. I have always paid more the minimum due each month and have been attempting to pay down on all of the cards. What is irritating is Multiple times after I pay my bills, sometime with a significant amount, they will reduce my upper credit limit. My main concern is that the FICO score is based on the percentage of utilization of available credit. So when I pay down to try to reduce my utilization, Barclay 's will zap my credit limit down, with has the effect of lowering my FICO score.. Although I do have a high ratio on credit limit to balances, my debt is only about 25 % compared to my total income.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (PA)

AMERASSIST AR SOLUTIONS received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I have attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they had thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately.
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question
Consumer complaint received 2023-02-22
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

On XX/XX/XXXX of the year XXXX I sent money through the Remitly application to Mr. XXXX XXXX for an amount of {$700.00}, which he received without problems, Then I sent money to Mrs. XXXX XXXX for the amount of {$800.00} which I had to CANCEL, Later a message appeared that in ten ( 10 ) business days they would return my money to the bank account. Then I made a call within 12 business days to know the status of the refund of the money, They told me that on XX/XX/XXXX they had returned the money to my Bank account and they provided me with a number or password to claim the money at bank XXXX XXXX XXXX, I proceeded to call the number of claims of my XXXX bank to manage the return of the money. Today I received a letter from the bank informing me that they have temporarily credited the money to my account, but that the investigation is continuing on the claim, this indicates that Remitly never returned the money to my bank account. Today XX/XX/XXXX / XXXX I received a call from Remitly staff ( at XXXX XXXX  ) to consult me about some things about my account .. But because I was busy at my work I asked them to communicate later at XXXX XXXX  ... Later I I had to contact them and ask them what was the reason for the call they had made earlier. Which Mr. XXXX, who very kindly attended me and after a long wait, indicated that it was indeed to review the case of the refund of the money, that in my account there are three ( 03 ) transactions of which I only recognize two ( 02 ), which I indicate here at the beginning of this declaration. I immediately let the Remitly agent know that someone could be doing some kind of fraud to my Remitly account. I asked them to take note of this and do all the relevant processes to avoid some type of fraud both for myself and for others. Then I asked him to send me an email with some kind of case number or something that referenced the agreement. He only sent me an email that I attached to the evidence, with the reference number XXXX. 
I am making this claim for the purpose of preventing future fraud on my account. I annex evidence of the aforementioned.
Consumer complaint received 2024-02-04
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 I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2018-07-28
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. (WA)

I lost everything in the real estate fiasco. Back in XX/XX/XXXX i had amazing credit but as a single mother had to move to support my kids. 1 ) They were still reporting that i was the owner of my house in XXXX   ... XXXX XXXX, XXXX, XXXX. It was sold in XX/XX/XXXX or XX/XX/XXXX. When i bought in XXXX state, i was sold a lemon of a house. My children and i lived without basic necessities ... no plumbing-no way to bathe with XXXX kids, youngest only in XXXX grade. We experienced power surges that blew out my oven and washer and dryer. I was paying close to 2000 a month in mortgage and amassed 8 years of documentation. The real estate agency and agent knew of the situation. I complained and then sought mortgage help. They expected me to continue to pay the same. I took it to court and submitted all the paperwork to no avail. The attorney did not submit my paperwork so i was told to sit down when i rose to object to my treatment. I have tried to go to XXXX State Attorney General, all the FED agencies. I lost my house in XX/XX/XXXX, penniless. I moved to Public housing in XXXX. I was diagnosed with XXXX in XX/XX/XXXX. I have a XXXX degree and am considered an expert in my field. The time i tried ALONE with no support to rectify the issues left me physically ill. I have way too much information to share here. The former owner never was held accountable for their illegal activity, nor was the agent or agency who were well aware of how my family wad forced to live. Please contact me if you take me seriously at all. I am not putting out any more energy to repair credit that was destroyed by the establishment and their unwillingness to stand up for me.
Consumer complaint received 2021-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2021, I purchased some shirts from an online store that shipped from XXXX and received the wrong items on XX/XX/2021. 

After several emails back and forth with the merchant ( between between XX/XX/XXXX and XX/XX/XXXX ), the XXXX insisted that I pay for shipping the wrong items back to XXXX. 

I filed a dispute twice with Capital One on XX/XX/XXXX and received a refund. When the refund was reversed on on XX/XX/XXXX. I filed another dispute on XX/XX/XXXX, this time, included pictures of these items ( comparing what I got with what I ordered XXXX, emails correspondence and a receipt as supporting evidence for my case. The refund was issued on XX/XX/XXXX and once again reversed on XX/XX/XXXX. 

Capital One is now asking me to go through the dispute process again for the third time. The agent I spoke with at Capital One could not tell me why a third dispute would produce a different result than the first two times and simply told me I would need to call back to speak with a supervisor. 

Basically, if will not pay return shipping after getting the wrong ( or bad quality ) items, Capital One can not help you.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$3300.00} XXXXBalance {$4600.00}
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Still charging interest on purchases from their previous delay in posting payment in XX/XX/2021! This is ridiculous!!! On the statement with due date of XXXX, they have charged {$7.00} in interest. ALL PAYMENTS HAVE BEEN PAID IN FULL EACH STATEMENT AND ALL INTEREST CHARGES SHOULD BR REFUNDED! 
I believe their processing of payments is extremely slow! This bank is frauding their customers and should be audited! They are very uncooperative and representatives are like robots!! 

Please resolve this claim, along with the other FOUR ASAP!
Consumer complaint received 2021-05-27
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. (NC)

On XX/XX/21 I sent certified mail to Experian stating : You have my real name, my current address, date of birth and SS #. 
My current employer is XXXX XXXX XXXX XXXX XXXX. 
My current phone number is XXXX. 
Please remove all other items from my personal history including any names that are not XXXX XXXX XXXX, previous addresses, and previous employers because Im afraid that I might be susceptible to identity theft. 

Experian has responded on XX/XX/21 without doing anything I requested of them and instead sending me online form to fill without the option to remove any of the information I requested. I fear that using that form will cause me to forfeit my rights to seek legal action against Experian.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (OR)

I am writing to XXXX  my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-03-02
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. (CA)

To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX   XXXX, XXXX, and Transunion since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Hi, I paid my cc bill on Friday the XXXX and I check my account today and they erroneously and illegally applied a late fee of XXXX. When I called they said that payment had to be made by XXXX PST XXXX XXXX EST. When I asked what time did payment go through they said XXXXPST / XXXX EST. Thus, no late fee should have been applied at all. However, from what I remember I made that payment earlier on Friday and not at XXXX PST. 




Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (NV)

XXXX is reporting inaccurate information on my credit report and claiming it to be verified. According to the bankruptcy courts they have not supplied this information but XXXX has them as the creditor. I have attached proof and wanting to know why they can continue to report false and inaccurate information on my credit report and claim it has been verified. I would like to know who verified this information at the bankruptcy court. This has been going on for months and it's ruining my life. This false information needs to be removed today. I do not have a bankruptcy being reported by said court.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My issue is with XXXX and Transunion. I am submitting XXXX letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after XXXX calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to XXXX different representatives and XXXX different supervisors from each company ( XXXX people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the XXXX late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As I stated in my last complaint XX/XX/XXXX. Paying my capital one quicksilver bill is a nightmare. My card gets put on hold or my money gets put on hold for weeks EVEN though I am paying the bill early and from the capital one 360 checking app. Today XX/XX/XXXX, I spoke to a supervisor of capital one who informed me that I would not have use of my balance for another 26 days. Even though I paid my bills before due dates. She informed me that this was some for my safety. XXXX! Capital ones system is trash. Why is my account being targeted??? I have reached out to a lawyer to figure out what can be done to stop this HARASSMENT, because that is what it feels like!!!!! Every two or three months my account is put on hold for no reason! Every two to three months I have to waste MY TIME to call this XXXX  BANK to have them release MY MONEY!!! I am sick of it.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.
Consumer complaint received 2020-09-09
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: World Acceptance Corporation (GA)

There are questions concerning the validity of items on my credit report from World Finance. Therefore, validation of account ( s ) had been requested. However, the company has failed to respond to validation request within 30 days.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc. (NC)

On XX/XX/XXXX, I paid XXXX XXXX XXXX {$94.00}. At the time of payment, my account was in collections. However, as of XX/XX/XXXX, their collection agency, CREDITORS COLLECTION SERVICES, is still posting this as an active debt. I filed disputes with all three credit bureaus. XXXX  has already removed the notation from their credit report because I provided a copy of the receipt. This receipt is attached to the CFPB complaint. XXXX XXXX states that they notified CREDITOR COLLECTION SERVICES. Creditor Collection Services claims they have no knowledge of this communicaiton. 

If I am forced to do so, I will bring XXXX XXXX XXXX to small claims court to compel them to remove the collection notation from XXXX  and XXXX. I will sue for damages and court costs.