davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have called Experian in regards to inaccurate information being reported. Such information is related to multiple addresses on my report that are non mailable. Only one address should be there. I have also asked for them to provide my written authorization so they can report my non public information. They did not. The only thing they removed was an old name and old phone numbers meaning they have admitted that they had inaccurate information on my report. They also did not remove the hard inquiries which i did not authorize. In fact while on the phone they were lying regarding this. They said that because i have an agreement with the bank, they can report. What they forgot to say is that in the agreement with any bank, it says that they will share information with affiliates. Last time i checked Experian is not an affiliate of any bank but a 3rd party. I did not give permission to Experian to share any of non public information. I give them in good faith one other chance to remove or block any information that does not fit the 15 USC 1681 ( a ) ( b ) ( c ) ( e ) as well as the Privacy Act of 1974
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WV)

I received a letter from Discover dated XX/XX/XXXX stating my account will close due to inactivity on XX/XX/XXXX. The Pandemic hit the next month forcing me to obey the " stay at home order '' set forth by the WV Governor. I had not left the house until XX/XX/XXXX for a medical appointment. I was not able to use this card prior to the XXXX. I inquired with Discover on the XXXX and my account was " still open '' but I was told they would indeed close it within the next day or two. I made a purchase on the XXXX and it went through. I spoke with a Discover Supervisor after this purchase reminding her that the guidelines for this closure should not be reinforced because of this national crisis. If I had a balance on this account I would not have to pay it ; yet, I have an account in Excellent standing - with a {$15000.00} limit since XXXX and Discover will close my account and lower my credit score and effect my credit report due to no fault of my own. I had an Excellent credit score and need this more now as we are building a new home. I spoke with Discover Corporate on XX/XX/XXXX. I was told there was no exceptions for the closing guidelines due to the Virus. However, this state has changed guidelines for license expiration. I was issued a new card with only a limit of {$1000.00} with one click - why can't they keep my card open with one click?
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$8500.00}
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

I get fraud through remitly USXXXX amount l reported this incident to XXXX bank they told me to deal with remitly so l email to customer care then they gave me XXXX consumer site l correspond with them but l didn't get any feedback.the transaction number XXXX XXXX dated XXXX
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

My debt was first sent from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto Midwest Recovery Systems. Midwest reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with XXXX   University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXX XXXXXXXX ( XXXX  ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) Experian has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, my business credit account with American Express were in good standing. 

After the shut down of my state, on or about XX/XX/XXXX, I called American Express to let them know that my business had been impacted. I asked specifically if they had any type of payment assistance or forbearance plans available. 

I was told " no '' they had nothing to offer me. 

I explained to the Agent, that due to the mandatory closure of my businesses, I would no longer be making my regularly scheduled payments until the emergency was lifted, and I could get my business back open. 

A few weeks later, the U.S. Congress passed the CARES Act which to the best of my knowledge gave credit card companies the ability to waive minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

The CARES Act seemed to be a fair deal in lieu of harming consumer 's personal or business credit. 

Sometime after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messaged asked me to contact them, or to log into my account to discuss an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on their site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express file a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is supposed to be reflective of one of my Business Accounts with American Express, then I believe their attempt to collect should be levied against my business account, not me personally. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities. 

I believe I did my part to maintain a good business relationship with American Express by calling early in the process. I believe if they were unable to devise a proper payment forbearance program to assist me and other consumers, that is their prerogative. However, they should not be breaking the Law. 

The CARES Act prohibits negative credit activities. Both for personal and business accounts.
Consumer complaint received 2017-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (CA)

I called because my card was declined when I was trying to pay the rent on the residential hotel where I was staying and was running late for work because of it. They kept me on hold for a long time after Itold them how urgent indexed help and we 're completely inflexible to helping me. They said ... my card was deactivated and did not offer me any solution. Even when I attempted to call order a replacement card they refused! They told me that they would not use the address of the residential hotel and we 're even going to proceed closing my account against my will. I tried providing the address of my employer and the address of a friend who agreed to let me receive mail there and they are refusing to replace my card. I 'm now 2 hours late for work and getting kicked out of the residential hotel where I was living. I 'm going to have to go stay with my friend who was previously just going to let me receive mail at his house. They say they are closing my account because I ca n't provide a residential address ( I have ). Now I have no access to MY money! I called BBVA Compass bank which owns Simple Bank. BBVA offered to help me but they were unable to access my account since it was with their subsidiary. They did contact Simple on my behalf but were still unable to help and transfered me back to Simple on the same call. I spoke with XXXX in customer service and he was unable to provide me with legal documentation stating the address requirements but refused to use the address I provided. He also refused to have my card mailed to a BBVA location which was a possible solution that the BBVA rep had offered when I was on the phone with them. I Lastly I asked him to provide me the contact information for their agent of service so I could file a lawsuit and he refused to provide me with that information.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

Requested a credit card though XXXX XXXX, I am not upset about being denied ; however, I am upset about the reasons for denial and credit score reported by Synchrony Bank. 1. Multiple changes in phone numbers. I moved all my accounts to my cell phone ; because now all my creditors want to send text alerts or prefer a cell because my house phone doesn't provide these services. 2. Synchrony Bank states my credit score is XXXX, I monitor me credit score with all financial bureaus and my lowest score is XXXX mainly because I just refinanced my home to get a lower interest rate. I am never late, behind or mss any payments. I filed bankruptcy in XX/XX/2017, because my rental property in Florida was trashed by my tenants and the cost of repairs exceeded the value of the home, I still owed more than the value of the property. So because of that yes, I am in the process of rebuilding my credit and doing rather well at it. What I am angry at the most, is where did Synchrony come up with XXXX. They are upset, that at the time I filed bankruptcy, the courts wiped out all my credit cards, 3 of which were backed by Synchrony Bank.
Consumer complaint received 2020-04-30
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. (IN)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Prime Recovery LLC (SC)

A collection agent from Prime XXXX called last night to my phone after XXXX. It was XXXX to be exact. I am a XXXX  in a busy ER and not able to speak on my phone. This collector then called the emergency room at XXXX and spoke to a coworker then asked for me. When I did speak to her she threatened wage garnishment on a debt I have no clue about. First of all it was after the time she should legally call. Second of all during a pandemic we are not allowed to take personal calls in an emergency room. The collector should not have contacted me after XXXX and should not be calling an er. I attached the screen shot of the call and time
Consumer complaint received 2018-06-19
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: Experian Information Solutions Inc. (TX)

Experian, XXXX and XXXX all have supposedly investigated my claim that : 1 )  XXXX XXXX of XXXX XXXX, XXXX. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record.

2 ) None of the three, Experian, XXXX or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' XXXX
Consumer complaint received 2018-06-19
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. (CA)

I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Experian XX/XX/XXXX to have the incorrect information removed from my credit report. 
Experian has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Experian received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' XXXX
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

In the process of refinancing a real estate loan on my property, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous, and inaccurately reporting incorrect public information on me stating that I have a child support judgment that is NOT even my name. Fortunately, I'm NOT some random person who did/does NOT know who his father is/was, nor his name ( XXXX XXXX XXXX ). nor have I ever been married, or had children, or been to ANY child support court! 

Nor am I a XXXX with the name of ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random racially motivated negligent inaccurate XXXX supremacist, XXXX privilege XXXX!!!
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (CA)

Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA XXXX in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.
Consumer complaint received 2018-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF THE WEST (CA)

I had a Second loan on my house from Bank of the West and was forced to short sell it after a divorce. 
My credit report says that I claimed Bankruptcy when I did not. I did file but dismissed it before the short sale. 
My first lender did not put Bankruptcy on my Credit Report but listed as dismissed.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MI)

Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper verification.
Consumer complaint received 2018-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a credit inquiry from XXXX XXXX that I did not authorize. It is on my Transunion Credit Report on XX/XX/2016.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!
Consumer complaint received 2020-04-30
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. (LA)

XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.