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

I had a Uber branded credit card issued by Barclays. In mid-XXXX, I was surprised to receive new credit cards in the mail with different account numbers and without the Uber brand. I immediately called customer service and was told that the arrangement with Uber ended on XX/XX/XXXX, and that these were my new cards. I asked why I had not received notice of the change and they told me that they had sent me a letter with an opt-out option and, since I did not reply, they signed me up for the new card. I immediately cancelled the new card because I did not want it. 

I have asked multiple times for a copy of that letter and have been told that they would mail it to me. I have never received it. They have refused to fax or e-mail it or send by registered mail. In the meantime, I used the card with the prior account number numerous times between XX/XX/XXXX and XX/XX/XXXX believing that I was doing so under the

Uber terms and conditions and the Uber reward program. But I have come to find out that Barclays just transferred my purchases from that account to the new non-Uber account. I never agreed to any of this and had no notice of the change. The consequences of this are that I lost existing Uber rewards and that I earned Barclay rewards points on the early XXXX purchases. When I asked for a credit for the value of my lost rewards, Barclays refused because my point value was below their minimum redemption. When I asked them to reverse the charges for my XXXX purchases, so that I could repurchase using a different card, they also refused. 

My concerns are : 1. They did not provide notice of this change ; 2. Even in the notice that they say they gave, they used an opt-out model ( rather than an opt-in model ) to get people enrolled in a card they did not want ; 3. They wrongly allowed charges after XX/XX/XXXX on an account that they closed and transferred them to an account for which I did not have the card and one in which I never agreed to the terms and conditions ; 4. They delayed sending the new cards for two weeks, which meant that I had no notice of the fact that I was effectively using a card that I did not know about and did not want ; 5. When notified about this, instead of working with me to compensate me for the value of my lost rewards, they basically told me to pound sand ; 6. They have repeatedly refused to send me a copy of the notices that they say they sent, but which I did not receive. Notably, they refuse to use any form of communication ( such as e-mail, fax, or registered mail ) where both parties would have a record of the communication.
Consumer complaint received 2018-02-20
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. (CA)

XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

Received email from USAA on XX/XX/29 that my account was to be closed due to XXXX  years of inactivity, which is valid. This account was open for many years ( 10+ ) and helped my credit score. They gave me XXXX  days to spend on the account to keep it active. I ordered a new card which took a couple weeks to show up and it did while I was out of town for the holidays. I planned to come back activate and spend money on the card to keep the account active. The XXXX day period is unacceptable for removing accounts that people count on the bolster their credit score due to good standing and longevity. 

Called USAA on XXXX when I came back home to activate the card and spoke with XXXX reps and was told it was impossible to reopen an account that they closed even if it was 2 days ago. 

Years of good standing credit history wiped away with a short runway to get in compliance in unacceptable from a company like USAA.
Consumer complaint received 2018-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

CAPITAL ONE IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2009, I was XXXX and graduated high school. My mom took me to get a credit card from Wells Fargo Bank on XX/XX/2009, I was approved for a {$400.00} credit limit, but no-one explained to me how to use it I was just told don't max it out. I was very young and had no idea what credit even was. My mother was taking me out to dinner to celebrate and we discovered we had a flat tire along the way, we used all the money we had including my credit card to buy a new tire. The only money we had left to eat was the remaining balance of less than {$200.00} on my credit card so I fed myself, my mother, and my XXXX  siblings. I can't get another unsecured card because of this and I feel like I'm being punished for my lack of knowledge on how to use a credit card at XXXX. I'm XXXX now and I know how to be responsible with credit cards and I have a secured card now with a {$200.00} limit with XXXX but I need more credit because I take care of my sick father and a {$200.00} limit isn't enough for me to take care of him, and my household.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (IL)

Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. 
They have the obligation to correct or delete their reporting. 

Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. 
Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.
Consumer complaint received 2018-02-19
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. (CA)

Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX Indiana ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-02-19
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. (CA)

Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX XXXX ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school
Consumer complaint received 2024-03-29
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

I am reaching out to inform you that I have sent certified copies of my identity theft report via certified mail. I kindly request confirmation that the intended recipient has received it. Additionally, it has come to my attention that it has been XXXX months since I last accessed an up-to-date consumer report online. Following the submission of a certified letter, I find myself completely locked out of my account. This situation has left me feeling targeted and possibly subjected to discrimination. I kindly ask for your assistance in resolving this matter promptly. 

Furthermore, I am disputing fraudulent accounts, inaccurate information, and inquiries present on my consumer report. As a victim of identity theft, I did not authorize the opening of these accounts, nor did I agree to their terms and conditions. In accordance with FTC and federal law, I request the removal of all fraudulent accounts, information, and inquiries outlined in the attached form from my consumer report. I also request the correction of any related finance charges and inaccuracies within my account. Furthermore, I request that you cease reporting this inaccurate information to all nationwide credit reporting agencies to which it has been provided. 

Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2022-11-19
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. (MD)

In a previous complaint submitted through the CFPB, # XXXX, I communicated how Equifax had inaccurate information on my consumer report regarding the following account : XXXX XXXX XXXX XXXX XXXX # : XXXX. As a result of the investigation, the company concluded that the information I pointed out as inaccuracies were indeed inaccurate. They completed the account as updated and verified. 

The company stated in their solution that HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY all were in fact inaccurate and have been updated. Resulting in 5 inaccuracies that were admitted by the company. 

Also, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) ( b ) ( iii ), I requested a description of the procedure used to determine the accuracy and completeness of the information and which they did not mail as a result of their solution.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

We have received a 'notice of default and intent to accelerate ' from XXXX XXXX XXXX . We have already been through arbitration and modification. Our first payment was " lost '' by XXXX. We are retired and on a fixed income. XXXX opened an " insufficient funds '' account. After forced placed flood insurance, attorney fees, late fees, ect., our 'amount due ' went from & XXXX in XX/XX/XXXX to {$4000.00} in XX/XX/XXXX to {$9400.00} by XX/XX/XXXX. Since our social security money is deposited on the third week of the month we were unable to make payments on time. We increased our payments from {$1100.00} to {$1300.00} to make up for flood insurance and late payments. We have paid every month. It's impossible for us to match the fees that are injected into our account. Default is built-in. Our last application for mitigation was cancelled.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (TX)

The background check, said I was a federal criminal. And ruined my employment. The information does not exist. The dates are wrong. The location named were XXXX XXXX XXXX XXXX XXXX, XXXXThis never existed. XXXX, XXXX is not available.Thia information is out dated, and over ten years old, and should not be in the background report.there was some wrong information about XX/XX/XXXX in the report. The information stated that I was a XXXX XXXX. In XXXX, tx. This information is not true, and it's older than 10 years
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (MO)

This company is harassing me over an alleged debt that I do not owe. I have never given them permissible purposes to contact me, let alone accuse me of owing them an alleged debt, an alleged debt that they refuse to allow me to verify. They have reported inaccurate information to my consumer report using obscene and profane language that is hurtful to me and has caused me a tremendous amount of XXXX as I am now homeless and being discriminated against for this horrible alleged debt they have sent to collections and is showing negatively on my consumer reports.
Consumer complaint received 2022-11-18
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. (GA)

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

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO. (VA)

Previously made contact with the agency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was XXXX ) XXXX in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for Ford motor company. XXXX ) Informed them that the debt is XXXX XXXX XXXX and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. XXXX ) They were informed that the car was auctioned off for majority of the account. And that Ford Motor Company most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.
Consumer complaint received 2024-03-28
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: Resurgent Capital Services L.P. (PA)

I am reporting accounts added to my credit reports by LVNV Funding LLC that are NOT mine! I am a victim on identity theft and my information was used to obtain these accounts that appear to be linked to addresses in Texas where I have never lived before or even visited. I have disputed the accounts and I received an updated credit report showing the accounts as " verified ''. However, I have not received any explanation or information on how the accounts were " verified ''. This issue has affected my credit scores severely, and I would like the Accounts Removed IMMIEDIETLY. 
THE AMOUNTS AND DATES ARE LISTED BELOW LVNV FUNDING LLC {$1100.00} XXXX XXXX LVNV FUNDING LLC {$760.00} XXXX XXXX LVNV FUNDING LLC {$560.00} XXXX XXXX