davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
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 (CA)

I just returned from a XXXX on the XXXX XXXX and finally have the ability to submit this complaint of something that happened while I was XXXX. I had applied for the XXXX XXXX XXXX XXXX card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX XXXX Military for the duration of their service. This is the explicit reason I applied for this card XX/XX/XXXX. After I had recieved my card, I submitted all the required paperwork required to prove my XXXX XXXX status. Barclays applied my XXXX XXXX status to my account and sent me a letter stating that they would waive the {$990.00} annual fee and give me 0 % APR as I had heard they had done for many others. After that time, Barclays decided to change to terms and conditions they offered to new XXXX members. Every card service representative I talked to stated that if you were a previous card holder you would not be affected. After 10 months of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA, however not honoring the original terms of agreement to current card members is just bad business. I had to close my account while I was XXXX XXXX  to prevent being charged the {$990.00} and was left over seas without a credit card.
Consumer complaint received 2018-09-24
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. (VA)

My credit report with equifax and XXXX reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (MA)

Bank : XXXX  XXXX XXXX Credit Card Open Date : XX/XX/XXXX Status - Account charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XXXX XXXX Balance - {$10000.00} Balance updated - XX/XX/XXXX Highest balance - {$10000.00} I spoke to XXXX  XXXX XXXX. They confirmed that there was no credit card under my social security number.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I recently reviewed my Equifax credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2022-11-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I SENT ALL XXXX CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, EXPERIAN, AND XXXX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MA)

I keep getting letters and phone calls from a law firm named Rausch strum trying to collect a debt for XXXX XXXX I have no idea what this debt is and they have not provided what the debt is also XXXX XXXX  is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop
Consumer complaint received 2022-05-02
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. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent. 

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX  Date Updated : XX/XX/2015
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Reading this pointless letter was a huge waste of my time. However, acting oblivious to the consumer laws does not make them go away. The laws are the laws, and they stand as such which I see you lack knowledge of. Unfortunately for you, Im just going to take this process to the next step and my rights will be enforced by a court. Also, unrebutted affidavits stand as truth, so maybe learn about the laws to avoid embarrassing yourself next time. Take care, talk soon. Cant wait!
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

I had a {$100.00} gift card not used in a sealed envelope from American Express, when I open the envelope and check the balance it only has {$76.00}. I complained to American Express and somebody made multiple transactions in XXXX California and they told me " We would like to inform you that the gift card is a non-disputable product as per the gift card terms and condition '' This is unacceptable, how can there be transactions when I just opened the envelope.
Consumer complaint received 2023-01-03
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (FL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc. (MO)

This company for the last two months has called me repeatedly while I was asleep numerous times as well as calling me and being greeted with my phone automated filter services where is EXPLICITLY tells them to leave a message and that I would receive it, to which they have not done, I have asked them to stop calling me.
Consumer complaint received 2021-06-25
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. (TN)

I do not recognize the disputed account. The information regarding the account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, date of last payment, date of first delinquency and date closed being reported. 
I had requested that the disputed account account be verified and I have not seen any proof from the Bureaus it was. I have not received any documentation on this account to verify that this is mine.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Experian XXXX XXXX XXXX XXXX, TX XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX on my Bank of America account for {$3000.00}, was fraudulent removed from my account and Bank of America will not return my funds. After I called multiple times to dispute transaction. Bank of America stated due to the receiving bank did not want to return the money back into my account.
Consumer complaint received 2021-12-03
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 — Was not notified of investigation status or results
Company: ProCollect, Inc. (GA)

I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused XXXX.
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: NRA Group, LLC (FL)

XXXX XXXX sent a collection account to National Recovery Agency on XXXX for the amount of {$66.00}. I was never notified of owing any money to XXXX XXXX, I assume this is XXXX XXXX XXXX. I have other ongoing medical accounts with them that are all in good standing. National Recovery Agency never contacted me regarding the account. They reported it to XXXX on XXXX. When I called National Recovery Agency on XXXX they stated they sent me a letter on XXXX which I have yet to receive. I was never given an opportunity to pay or dispute this bill. I actually have no idea what it is for. My credit score dropped XXXX points on the day before I was going to apply for a new auto loan, this has caused me undue damage and cost me considerably, this is the definition of Unfair Credit Reporting Practices. I paid the {$66.00} and a fee to National Recovery Agency as I need this removed and corrected asap and don't have time to find out what I am being billed for.
Consumer complaint received 2021-03-29
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. (TN)

I am a victim of Covid-19. As soon as the pandemic started in late 2019, I was pregnant and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

While my wife, my daughter and I were able to put credit freezes on our accounts with Equifax, XXXX  and XXXX it was much more difficult with Equifax. To perform this task, that seemed simple with the other two agencies, with Equifax it was so much of a problem that I could almost swear that Equifax was trying to prevent us from putting the freeze on our account. We actually had to mail them a good bit of information to prove who we are to get the freeze applied. 
Then just the other day ( XX/XX/2019) my daughter and I had to temporarily unfreeze our report to submit an application to rent an apartment. With XXXX and XXXX   it was relatively easy but with Equifax it was impossible to do without once again mailing them the same information that we sent them before and which made it so difficult to put the credit freeze on our account with them. We were lucky in that that apartment rental agency didnt use XXXX for this credit check or we would have lost the unit in a very tight housing market. 
In summary we believe that XXXX is intentionally making it difficult for non-paying individuals, and this must be corrected. We got lucky with this experience but may not be so next time. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.
Consumer complaint received 2018-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patenaude & Felix A Professional Corporation (PA)

XXXX XXXX XXXX was owed by myself for a XXXX XXXX XXXX and a XXXX XXXX XXXX   amounts shown on credit reports as {$13000.00} and {$22000.00} both sold to :1patenaude & felix a.p.c.add:XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX and 2 : XXXX XXXX XXXX add:XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX is currently showing on XXXX  and XXXX  I ask that they both be deleted a.s.a.p. please respond XXXX thanks
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

On XX/XX/2016 XXXX has transfer my modification loan # XXXX to XXXX XXXX XXXX. Since then XXXX XXXX is servicing my mortgage, new number is XXXX, but it is the same modification loan. 
XXXX XXXX does not send any information to me regarding incentive payments. XXXX used to send me such information every month with my statement.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Wa XXXX Has been sending me collection notices. The collection has been reported as ast due balance. I dont not know this company. This company does not have a contact with my signature. This debt is a 2018 debt i was incarcerated at this time ive tried to resolve this error with convergent outsourcing inc multiple times.
Consumer complaint received 2018-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I sent out a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no knowledge of this account and have file identity theft with FTC.