davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I received an alert through XXXX on XXXX that my account had dipped by 15 points. Upon investigation, it was saying that I was 60 days late on all accounts. I called Equifax on XXXX and submitted a dispute. The rep conceded that it was Equifax error. That I wasn't 60 days late on any account and advised me to have my creditors update it. She said she could not fix it. However, even though the information was incorrect and it was their system error, which they admitted. I have not received the 15 pts back. In addition, the did another update after that which reported incorrect information making it appear as though I raised an account by {$2000.00}, that dropped my account another 13 points. I disputed that. The information was corrected but I never got the 13 points back. That's a total of 28 point in the span of a month while I am trying to buy a house. Their negligence is impacting my ability to secure a loan and the interest rate which I am being provided.
Consumer complaint received 2021-10-03
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. (MO)

On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on TransUnion. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Consumer complaint received 2021-08-11
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: SYNCHRONY FINANCIAL (CA)

This debt from Wal Mart/Syncb in the amount of {$2000.00} was discharged in Bankruptcy court along with a host of other debt back on XX/XX/2018. I'm trying to rebuild my life and I need to get this finally resolved after 3 years. I have included documents with this dispute for your careful review to support my claim. This account should not show as a charge off account.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (UT)

I have XXXX accounts with US Bank Account XXXX business XXXX personal account My online banking was compromised and transfers and internal wires were made see screenshot. When I logged in I could see these were not authorized. The internal transfer was made with a card ending in XXXX. This is FRAUD
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Capital One credit card and decided to download their app onto my smartphone. After downloading it, the institution asked for permission to access my telephone book as well as the pictures stored on my phone. I called Capital One and spoke with their Tech Support department and told them that asking for this information to get access to their app is a total invasion of my privacy as well as being none of their XXXX business. I was told that 's the only way to have access to their app. 

Capital One should be brought to task about this for the aforementioned reasons and redesign their app ASAP so users do NOT have to disclose this type of personal information
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX /15 i got started in the IL.Hardest Hit program, I did all the requirements requested in a very timely matter as requested, such as to provide all documentation as requested. I even had to give them XXXX years of Tax returns with with over at least XXXX pages! BY the time I was almost in the program Wells FARGO CAUSED me to not be eligible by saying to get my loan current, the amount would be {$34000.00} on XXXX/XXXX/15 IL. Hardest Hit program sent me a email to inform me that! I was in shock, as soon as I got home that day I called Well Fargo they told me that the amount was {$18000.00}! They also faxed me a XXXX document the same date XXXX/XXXX/15 saying that, and i also got a letter stating the same thing XXXX days later! The same night I faxed and emailed theXXXX letter stating what the amount was, so she said she would forwrad it to her boss! XXXX days later they told me that wells fargo was adding escrow fees and some other fees to prevent me from getting into the program!!! That was {$35000.00} that wells fargo kept me from getting also since they sold my lone! 
THANKSXXXX XXXX
Consumer complaint received 2016-07-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Innovative Credit Solutions (AZ)

After reviewing my credit report, an adverse account was reported to XXXX credit reporting agencies by Innovative Credit Solutions, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ). I have had no association, contact or any communication whatsoever with Innovative Credit Solutions. I have written to them requesting information and have not received a response. I have disputed this with XXXX credit reporting agencies. XXXX has removed this adverse account and I am continuing to dispute this adverse account with XXXX.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

Hello, As recently as this past fall, my credit score was around XXXX. Then, beginning last month, Synchrony Bank began to lower my credit limits on some credit cards and even closed one account I had with XXXX XXXX. I have absolutely no idea what caused this action! I have never been late on any of my accounts, and my overall credit usage was between 25 % -30 %. Within the last 3-4 weeks my credit limit has been lowered on several of my accounts. My XXXX XXXX account credit account limit was lowered from {$4500.00} to {$250.00}!!! I opened that account, but have never even used that card. 
With these credit limits being lowered, the adverse affect is that the credit bureaus now see my credit usage go up from around 30 % all the way up into the 90 percentile! This is just wrong and extremely unfair! One letter I saw said that I had too many new accounts, but that's total XXXX  because I had many new accounts opened when Synchrony opened these accounts in question. In fact, THEY opened some of these accounts themselves! I tried to reach out to them, but getting in touch with the right person or right department is too difficult ; most likely by design! I am retired and living on a fixed income. I don't have to tell you how important it is to maintain good credit. But when an unfair practice such as this is allowed to happen, people like myself have absolutely no recourse to counter with! I can get angry and voluntarily close these accounts, but again, this will have an adverse affect on my credit reports and credit scores. I'm left to deal with whatever is handed to me with no way to fight back and get this undone! Do you understand how embarrassing it is to have a credit card declined when you're at the cash register because the reduction in credit limit was put into effect before I even received notice about it?? 
What's really crazy about this situation is that first, I'm told that I don't have enough credit accounts open to allow lenders/creditors to gauge what kind of risk I am. So, fine ; I open a few more accounts to help resolve that issue, and now I'm being penalized for that!!! I need your help!! All people like me need your help! Thank you very much!!!!
Consumer complaint received 2016-04-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (GA)

This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Management Control, Inc. (TX)

received call from " Credit Management Control '' who left a voicemail for someone other than myself. As you can see from the contents, the information provided violates federal law. 

" Hi, we have a message from Credit Management Control. This is a call from a debt collector. Please call XXXX between the office hours of XXXX and XXXX Monday through Wednesday and XXXX to XXXX Thursday and Friday. Thank you. ''
Consumer complaint received 2023-03-19
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. (AZ)

XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (OH)

Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : Equifax XXXX XXXX Equifax XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2020-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (AL)

I have two account that are in collections from Amerifinancial solutions that are representing XXXX XXXX XXXX XXXX. The first amount is {$600.00} that was reported on XX/XX/XXXX the second account through them is in the amount of {$890.00} and was reported on XX/XX/XXXX. 
These collection amounts were from when I had XXXX XXXX of Alabama and the provider did not bill them through XXXX as my secondary insurance for some reason. 
I have reached out to XXXX and they told me because it has been longer than 12 months since the service was provided they can not do anything and it would be between me and the provider. I have spoke to the billing department at the hospital and have been told it would have to go through XXXX. They are claiming they did not know I had XXXX XXXX during my services but I know they did and I had several visits to the labor and delivery department that were billed correctly through my insurances. I should not be responsible for my medical bills because the provider did not bill them correctly. It was their mistake and if they would have done it correctly I would not have any amounts owed. 

I also have four accounts that are open through XXXX XXXX XXXX XXXX that are in regards to the same issue representing XXXX  Alabama XXXX XXXX The first one is in the amount of {$120.00} opened on XX/XX/XXXX The second XXXX is in the amount of {$410.00} opened XX/XX/XXXX The third one is in the amount of {$150.00} opened XX/XX/XXXX The fourth one is in the amount of {$590.00} opened XX/XX/XXXX The dates of service in regards to these visits were as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX I had XXXX XXXX from XX/XX/XXXX until I delivered in XX/XX/XXXX and then again XX/XX/XXXX until I delivered in XXXX of XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One sent me a fraud prevention email on XX/XX/2024. I called in and questioned the validity of the request and received an unruly, hostile, and XXXX human being. She threatened me over the phone and actually stated she was " warning '' me. These representatives from Capital One are not properly fit to be speaking on behalf of a bank because they are not professional. I also have a hard time understanding them. Capital One, despite my numerous payments, has been wasting my time by trying to get me to speak to people who are difficult to speak with in order to validate my private information in a XXXX outside of the XXXX they operate in. I want representation within the United States for this bank only. If the Bank decides to close the account, they are doing so because they are discriminating against me. I'm appalled at the terrible service Capital One has all because they want to try and save money by hiring people who are not in a position to be handling financial matters over the phone. 

The third representative couldn't even call the correct phone number for my financial institution to get them to verify the account. These are the individuals that Capital One hires. I have zero confidence that they are protecting the people using their cards. 

The 1st Representative I spoke with on XX/XX/2024 hung up on me while threatening me twice. This individual needs to be fired. 

All payments were validated and the account information was validated to be mine. I don't feel comfortable with XXXX XXXXXXXX handling my personal information and that is a National Security Risk.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l. (MN)

I was told by XXXX of XXXX XXXX, that they would work with me to get my collections issue off my report on XX/XX/2018. I was asked to send in paperwork, and I sent in the proper paperwork. As soon as I sent in the paperwork XXXX XXXX XXXX XXXX avoided my calls, and not responding to emails.
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

I received a letter dated XXXX XXXX, 2014 from Kimball, Tirey, & St. John LLP to pay a judgement against me for unpaid rent owed to XXXX & XXXX XXXX. The letter said the debt will be assumed to be valid unless I notified them within 30 days that I dispute the amount owed. I responded within the thirty days informing them that I was never given an itemized statement at move out showing how much and where our security deposit was applied. 

I also went to see XXXX XXXX XXXX ( who sent the letter ) around this same time and I was informed to start making small payments but my request for Kimball, Tirey, & St John to obtain an itemized move out inspection showing where my security deposit was applied was never followed up on. Therefore I disputed all the debt as I was unable to calculate their interest charges without knowing my exact balance owed minus my deposit. 
I am still waiting for the itemized move out sheet required by law showing where my deposit was applied
Consumer complaint received 2023-03-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts 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  '', " 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I NEVER filed chapter XXXX bankruptcy. XXXX is reporting ( acct # XXXX ) that I did a chapter XXXX bankruptcy which is a complete lie. Today I received the results of an investigation from a dispute I did with transunion numerous times. It is still reporting as paid through chapter XXXX. My biggest question is how can a bank report such a lie. I also did this dispute again probably for the XXXX time and transunion told me it would take approx 30 days for the results of the investiation. There investigation was way too quick and I feel they did n't even investigate it properly. The rep at transunion told me that within 24 hours this will be internally removed as they saw I NEVER filed chapter XXXX. It is still reporting on my credit report. I have spent numerous days and hours on the phone plus writing letters requesting to please remove this wrong information as it is affecting my credit score in a very negative way. I have also contacted the XXXX XXXX XXXX in regards to this as they are breaking the ftc law. I am submitting this complaint again as having this wrong information reporting and transunion. I am also submitting this complaint as I had a tax lien in the amount of {$990.00} that was paid. For some reason it is reporting as XXXX tax liens XXXX for {$890.00} and another XXXX for {$100.00} which adds up to the true amount of {$990.00}. Another credit reporting agency has verified and corrected this finally for me but transunion did not do a proper investigation as it would have been verified and corrected. Having all this negative untrue wrong information is affecting me in obtaining substantial credit.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In a letter dated XXXX XXXX, 2016 attached in its response to CFPB Case No. : XXXX ( attached to this complaint ), Capital One states, " After reviewing your account, we confirmed that this is a valid debt. '' Since the court judgment in my favor and against Capital One adjudicated the alleged debt it is unclear what the basis is for Capital One 's statement on the validity of the debt. 
In my reply to that dispute, I requested that Capital One provide me any evidence they have of the allegedly " valid debt ''. Since it has been two weeks without any response from Capital One, I am filing this complaint to again request this evidence of a " valid debt ''. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2015-04-22
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CO)

A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.