davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I have XXXX new hard inquiries on my credit report this year and I havent applied for anything this year. I need them removed from my report because they are fraudulent and theyre hurting my scores. 
The XXXX fraudulent inquiries and the dates they were added to my report are as follows : XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX  ( Hotel and travel ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX
Consumer complaint received 2021-02-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experien is reporting a false debt and will not verify that the debt is obviously false. 

At the EXPERIEN site they are busy trying to sell you service after service. I've successfully removed an XXXX Debt at three other agencies because 1 ) The debt doesn't exist 2 ) The company XXXXXXXX is collecting for doesn't APPEAR to exist- some sort of Dentist according to XXXX 3 ) I haven't lived in XXXX in 20 years -- and EXPERIEN is reporting the addresses I've lived at 4 ) XXXX has a reputation for collecting fake debts. They've put the amount just high enough it doesn't make sense to hire a professional company to combat them. And they placed the debt EXACTLY as my bankruptcy was removed -- the guy I called there laughed when I told them I knew what they are up to XXXX ) The statute of limitations on debt in California is 4 years and according to Experien the debt has been attempted to be collected for since 2016 ... but the debt wasn't on my report in 2016. 

EXPERIEN is part of this attempt to rip me off as far as I'm concerned. And EXPERIEN has done this before. They failed to follow through on a dispute and later the company refunded the money the collection agency forced me to pay -- in order to get a mortgage. THAT PAID COLLECTION ACCOUNT COST ME THOUSANDS of dollars in the form of a higher mortgage rate. 

And now Experien is doing it AGAIN The information Experien already had contradicts this debt. And their website says they don't have to let me contest the debt again.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/2018 at approximately XXXX XXXX a man left a voice mail message on my cell phone. I called the number back. The man identified his self as XXXX XXXX   and said he was calling from US Collections West. He went right into saying I can voluntary take case of a judgment that he had against me from XXXX XXXX XXXX XXXX  or he has an attorney that will garnish my wages. I ended the call because of his rude tone. I called the companies direct line and asked to speak with a supervisor, they forwarded me back to the same person. I asked him if I could speak to his supervisor and he identified his self as the owner of the company. I asked him why he threatened me and he said it is not a threat t is a promise and that the have garnished thousands of people and I can look it up. I asked him why he was yelling at me and he began to scream at me some more and said that he has been doing this for 40 years. The conversation was getting no where and he continued to yell at me. I then ended the call.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One has verified the debt on a account from 10 years ago was fraud and not mine. I keep calling in about it and they say its nothing they can do. They removed it from my report. However they sued me while I was in XXXX on XXXX XXXX in XXXX XXXX county. I was XXXX and could not even defend myself. It has been on my public record for almost 10 years and I keep calling with their reps being rude. This is totally unfair, I was in XXXX XXXX county XXXX XXXX XXXX on a XXXX XXXX XXXX. That card or account was not mine, yet capital one wont do anything to clear my name from the legal system.
Consumer complaint received 2016-12-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Westlake Services, LLC (NY)

I followed the proper procedure and returned the automobile over to the car dealership. The amount claimed on the collection is the offset resulting from the return of the vehicle ; therefor, I do not owe anything. I also sent a letter asking to verify the debt and I have not received a corresponding letter back, but instead when I called, I was told that the allegded debt was sold in XXXX to XXXX XXXX XXXX ; of which, I have not received any documentation from.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2019, I called usaa customer service line at XXXX. I specifically told Them, I want to close my checking account cause XXXX XXXX has compromised the integrity of my accounts at Usaa. I said close my account now. 4 times they transferred the call and hung up. They refused to close it. I wasnt it closed now.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Agency refused to give their name. They were attempting to collect a debt that was discharged in XX/XX/2010 through a Chapter XXXX bankruptcy. They are in violation of a court order. 

Their phone number they called from was XXXX. 

They said to call back XXXX.
Consumer complaint received 2019-03-08
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. (TX)

Had an 800+ credit rating for 8 years until XXXX XXXX XXXX became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting. 

- XXXX updated my home address and updated all credit reporting companies with an address that was not mine. 
- No correspondence was received regarding any disputed balance amount. XXXX records can confirm this mistake and my address was updated. 
- XXXX reported negative feedback on my credit report. 
- To mutually resolve XXXX agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- XXXX then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

XXXX XXXX XXXX XXXX is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.
Consumer complaint received 2018-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (LA)

My husband bought XXXX XXXX from XXXX XXXX and he applied to pay in 12 with no interest with XXXX thru XXXX XXXX. We have made 3 payments and have been charged 2 late fees. I pay my bills thru my bill pay system thru my bank. I put the date that the payment is due and it tells me when I need to send in order to get to the place by due date. On the first payment I made they said they received one day past due date, then on this last statement I sent the bill on the XX/XX/XXXX and the due date is the XX/XX/XXXX which was on a Sunday, so I put date in the system so they would receive by the XX/XX/XXXX. Well they said they did not get until the XX/XX/XXXX because the XX/XX/XXXX was a holiday. I think this is just a way for them to charge extra fees to your account and then at the end of 12 months they can charge the interest. This is ridiculous and I called XXXX XXXX and they said they have had this complaint many times on this company. I feel that ya 'll need to investigate this company for these extra charges they are charging people.
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

I felt shortchanged by the activities of the international remittance agencies. I have used Western Union and a host of other online platforms like XXXX, etc. Their exploitative tendencies needs to be curtailed. Thank God there is the Consumer financial Protection Bureau. For equity sake their RATES should be a two-way traffic.If {$1.00} = N371. Fairness demands that they accept transfers from both ends at same rate outside their transfer fees. Its criminal to take my {$1.00} and give me N374 but when i bring N374 you would refuse to give me {$1.00} because the real rate is $ 1=N430 or more. Please let them effect a two-way equitable transfer and rate.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I submitted a complaint through the CFCB regarding Bank of America. Obviously, Bank of America is playing games they claim in their CFCB response they were sending the response directly to the consumer because they could not confirm who submitted the complaint. First, the complaint was initiated through the CFCB. Certainly, the institution was aware of who the complaint came from. 

Second, Bank of America provided 2 letters dated XX/XX/XXXX and XX/XX/XXXX requesting additional time to respond to my complaint. Their letters dated XX/XX/XXXX was not received until XX/XX/XXXX and their letter dated XX/XX/XXXX was not received until XX/XX/XXXX. Oddly, their letters are dated approximately 2 weeks, prior to forwarding them to the consumer. 

Lastly, On XX/XX/XXXX I contacted the CFCB and they were able to read me a response letter from Bank of America I had not received. The letter read to me by the CFCB agent from Bank of America addressed the institutions past attempts to contact me by a number that no longer exists. 

In closing, this matter does not warrant a conversation, but a sufficient written response. I updated the institution with my new information 2 years ago. Since XX/XX/XXXX I am in receipt of 2 letters requesting additional time to respond to my complaint. Both letters are dated 2 weeks, prior to receiving them. On XX/XX/XXXX I contacted the CFCB and they read me their response letter that only addressed their attempts to reach my phone. 

However, Bank of America retains my home and email addresses for contact as well. In addition, I have an online account in which there were no contacts or messages provided by the institution. I strongly believe the institution has no legal ramifications to sufficiently provide a written response to my initial complaint. Bank of Americas response read by CFCB has no weight and it overall dwells on their attempts to contact me by phone when there are other alternatives of contact. I find their response unsatisfactory and demand that I have a written response to my initial complaint in its entirety dated XX/XX/XXXX.
Consumer complaint received 2019-05-15
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. (FL)

I have disputed accounts with Transunion on multiple occasions. I have requested that they validate this debt on my credit file. I have sent 3 different dispute rounds and havent received any proper treatment. I have tried to reach out to creditor and they were not able to provide any proof therefore the debt can not be on my credit report. In addition the account balance are mismatched between the different account posing a second error on my report.
Consumer complaint received 2018-06-12
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. (MI)

I have disputed an inaccurate account with Equifax, XXXX and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( Equifax and XXXX ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XX/XX/XXXX and XX/XX/XXXX. I am entitled to a fair and accurate report.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear CFPB, I have send numerous debt to validate letters to Portfolio Recovery Services. And all they have send me in response is a old bill with my name and address. Which is not efficient to verify the debt they claim is mines. 

They have fail to send me the following : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$880.00}
Consumer complaint received 2017-12-06
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. (IL)

I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act.
Consumer complaint received 2018-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I currently bank with Citibank and have a secured card with them. I always had automatic billing set up to prevent any missed or late payments. However once applying for a mortgage loan the Citibank secured credit card account reflected 4 late payments which is inaccurate. The representative I spoke advised me to pay the account in full and they would remove the late payments showing on my credit report. The representative took payment from me and then said he was transferring me to a supervisor so they could remove the late charges from my account. I was continuously hung up on for 3.5 hours never the getting the issue resolved. These late payments reflected are completely inaccurate and need to be removed from my account and updated with the credit bureau immediately.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (CA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

We moved into this area in XX/XX/XXXX. XXXX issued anew phone number, XXXX. During the first six months we received calls from various debt collectors attempting to contact the phone numbers previous owner. After numerous explanations the calls stopped. The callers were apologetic stating that the only contact number they had for the woman, ( i can not even attempt to spell her name ), In the summer of XX/XX/XXXX we started receiving calls from Portfolio Recovery Associates, located at XXXX XXXX XXXX. XXXX XXXX XXXX. Their contact number is XXXX. After calls from several different area codes and numbers, I contacted their corporate office and the calls topped. They stated they would remove our phone number from their list. On XX/XX/XXXXXX/XX/XXXX, we again stared receiving calls from this company. They ask for the same name. I contacted their corporate offices again on that date and the woman stated our number would be removed. On XX/XX/XXXX we received a call from XXXX, one of their offices. This is a company that buys expired debt which has been written off the books of companies. My research indicates that they purchase this debt for pennies on the dollar, and attempt to make a recovery. I am retired from Federal Service and neither my wife or myself have a any debts. I do not understand while they continue to annoy people. Any help you provide is appreciated. Thank you XXXX XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (KY)

A phone number ( XXXX ) keeps calling for me asking for someone that doesn't live there and have never lived there. The name they are asking for is different from my last name. 

I have told them, the person that they are calling for doesn't live there and please stop calling. They call several times a day. This has been going on since XX/XX/XXXX and I have asked them 3 times to stop calling.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

I've filed a complaint on this creditor before about this identity theft debt and was told to reach out to the creditor and ask them to furnish me with proof that this debt belongs to me, I have sent the creditor barclays bank certified letter request that they furnish me with proof that as documentation that this debt belongs to me, but barclays failed to provide me with the specific documentation requested, its a matter of fact they provided with no documentation what so ever, all they did was write a two sentence letter stating that they received my dispute an that it is accurate with no proof or documentation to back it up, according to the fair credit reporting act, if a creditor can not furnish proof that for a debt was when there's a dispute they must remove the debt off the consumer credit report..
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (DC)

I hold a Verizon XXXX Credit Card. With this card, you earn XXXX Rewards dollars every month. This has worked very well for over one year. Synchrony Bank is the issuer of the card. This month the process is not working. My Synchrony account shows {$120.00} reward dollars. HOWEVER, there is something wrong with the system and I can not access these rewards to apply against the XXXX bill ( s ) that I received. This defeats the entire purposes of having the card. In essence, the Reward Dollars are being held XXXX. I have contacted Synchrony multiple times. No one seems to care at the customer service level. These contacts have been by phone and by chat. The Synchrony contacts have directed me ( " dumped '' me ) over to XXXX. XXXX says they have no responsibility and can not access Synchrony systems. I believe that is an accurate statement. Nevertheless, XXXX XXXX name is prominently displayed on this XXXX program. 

My sense is there is a system error, but the information is not making its way to the proper people at Synchrony Bank. That, however, is NOT an excuse, since I ( and likely others ) are being denied the very thing we bargained for at the outset, when we obtained this rewards card.