davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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: Experian Information Solutions Inc. (MI)

Something is very wrong here : I believe My Experian, XXXX  and XXXX  scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My Experian score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my EXPERIAN CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My Experian credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX  is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX  compared to Experian and XXXX. I have tried correcting this for years and XXXX  has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from Experian XXXX  and XXXX  will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I cancelled my XXXX XXXX in XXXX 2017 and gave 30 days notice. They billed my credit card in XX/XX/XXXX, which was for the month ahead, XX/XX/XXXX. XXXX XXXX makes you pay in advance for the month ahead. I no longer had XXXX XXXX so assumed this was a mistake on their behalf so I called my credit card and stopped the payment. They have now sent me to a collection agency. 

I was a customer of XXXX XXXX for years and always had paid my bill using autopay. I had never not paid my bill nor had I ever paid it late. Why they would think I would not pay a bill that I owed is beyond me. It is a mistake on their behalf. They need to listen again to the recording of me calling them to cancel my service. They say the calls are recorded for customer protection so now I would like them to use the recorded call as evidence to support my story. 

I am not paying for a service that was cancelled a month prior and that I no longer had and feel that I am being bullied by XXXX XXXX.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (TN)

My name is XXXX XXXX, live in XXXX XXXX  phone no. XXXX, on XX/XX/XXXX someone compromise my account on Binance.us and my email address and withdrew XXXX XXXX of my wallet to his or her wallet. i realize that later that day and contacted BINANCE.US to help me get my money back, they disabled my account for few days, asked my to record video of myself holding my id twice, and said after the investigation is done will enable your wallet again, about week after they reactivate my account but didn't help me to cancel those two withdrawal transactions for ( XXXX + XXXX ) XXXX my account was under my email : XXXX, changed to : XXXX, and changed the password as well to secure my account
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (AZ)

The Bureaus Collection Agency has violated my rights in attempting to collect a debt they claim I have, I have paid this debt to XXXX XXXX in XX/XX/2019 which can be viewed on my credit report and shows as the debt was legally paid for less than the full balance. I received a letter from the Bureaus ( TBI ) attempting to collect on this debt and quickly sent a letter in response asking they validate the debt as I paid this debt off. I did not receive a response and as soon as I saw the Bureau added their account to my credit report I contacted them by phone. I was unable to speak to anyone when I called on multiple occasions and only received voice recordings that due to the pandemic they cant always answer. ( I have the phone records of my multiple attempts to resolve this ). I then filed a complaint with the XXXX XXXX XXXX  during which the bureau provided misinformation, and again failed to resolve this. This is negatively affecting my credit and should be resolved quickly. I dont know how else to resolve this issue other then filing this complaint or obtaining legal representation which will be my next course of action should I not achieve amicable resolution. Thank you.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I do not owe this debt, Ive never received any notices regarding it. It has impacted my credit and caused damage in my life and has prevented me from becoming a homeowner. I attempted to send 3 letters but they all were returned to sender.
Consumer complaint received 2017-09-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I contacted Cash Central via Telephone Calls, Emails to let them know that I needed to close my account and send the payment through US Mail. On XXXX XXXX, 2017 I sent Cash Central a Money Order in the amount of {$150.00}. Then again on XXXX XXXX, 2017 purchased another Postal Money Order & mailed this payment in, leaving me with a XXXX  Balance. I PAID in FULL my balance from a loan this year. I received a call from a Collection Agency and I informed him, my account with Cash Central had been PAID IN FULL. I am ill & do not feel/believe it is my job to work for Cash Central nor the Collections company! Cash Central is saying I have two accounts an OLD ACCOUNT Dismissed thru Chapter XXXX Bankruptcy! No I only owed & paid for the account from Cash Central for {$300.00}. Now they want me to call around & repair what they did by selling my account to a Collections Agency. I had arrangements as I spoke with Reps. XXXX. XXXX, XXXX on XXXX XXXX, 2017 ; Again XXXX XXXX, 2017 & XXXX XXXX, 2017. I sent both Money Orders as agreed upon. I was told to send it to : Cash Central, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Acct. # XXXX - Spoke with XXXX. This is another address given to me over the phone : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. PLS. take care of this as I am ill & I do not need this Stress over the reps abusing/disrespecting me as a Consumer. Do you have a great Attorney that would be interested in suing Cash Central?
Consumer complaint received 2021-09-10
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (CT)

My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by Chrysler because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with Chrsyler Capital with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. Chrysler was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called Chrysler to provide the payoff amount and mailed a bank check that was cashed by Chrysler on XX/XX/XXXX ( This included the last payment ). Chrysler never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed.

I started a dispute with both Chrsyler and reported it also to XXXX but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.
Consumer complaint received 2021-06-28
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-22
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 (FL)

these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2020-11-04
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: CarMax, Inc. (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been trying for several years to open an account with Navy Federal. Every time Im told that it shows that I opened one then nothing else. I have requested management call me, I have tried to prove my identity etc. if Im denied the account then fine but to tell me that I wasnt denied and then nothing else is troubling to me.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

Even within a Statement period, if a promotional transfer offer is taken, you are forever prevented from paying off the initial purchases without first paying off the promotional amount. All future overpayment is allocated to the interest free promotion negating the " interest free period '' advertised and forcing the consumer to pay the significantly higher interest for the remainder of the period. This is the only company that I have dealt with that will not allow the allocation of a payment to be placed toward higher balances. 

Initially with the transfer, I had paid the " interest savings balance '' I did err in paying immediately after the transfer. I immediately called to the supervisory team to see if I should reverse both transactions. The payment was reversed and I was advised I would be able to call back and be told what to pay to allow me to pay off new purchases and leave only the balance transfer and promotional purchases through XXXX. Instead, I am locked into paying for all other purchases prior to the transfer and thereafter until the balance transfer is paid. Meanwhile, I paid a 4 % upfront transaction fee for this debacle. I intend on paying off this card and forever moving away from chase CC 's. This entire process seems designed to entrap those with balances into paying interest. The frequency with which offers were sent to our home after we had maintained a balance is disgusting now that I have this insight. This is my first balance transfer on my XXXX card and rest assured, it will be the last.
Consumer complaint received 2021-04-02
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. (TX)

I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX reported XX/XX/XXXX on the date of last activity, while Equifax reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.
Consumer complaint received 2021-06-28
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: FISERV INC. (MN)

I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my TeleCheck Consumer Report. The information is fraudulent information and accounts, not my information and dont belong to me. I was just released from prison, and was incarcerated for over 17 years. Review the attached documentation. My TeleCheck Consumer Report shouldnt have any adverse information listed on the consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I've been trying to resolve this issue for over a year now. I had a XXXX XXXX card in XX/XX/XXXX. I lost the card around XX/XX/XXXX. I reported it lost. I received a new card from Synchrony bank. I became dissatisfied with the transfer process of my card transactions for my 1st card to my replacement card. I paid my balance in full and cancelled the card in XX/XX/XXXX. I asked for the membership fee to be reveresed as well as the finance charge associated with the membership fee to be reversed. The annual fee appeared on my 1st card. XXXX XXXX has an issue with linking replacement cards to their customer 's accounts. They failed to close both the original and replacement card. They failed to reverse the finance charge and membership fees from the original card when the replacement account was closed. Post closure of the replacement account late fees and and finance charges accrued on the 1st account which were eventually transferred to the replacement account. I spoke to several representatives in XXXX and XX/XX/XXXX to ensure this issue was resolved and that my credit bureau was cleared of this collection. I considered this issue closed as of XX/XX/XXXX.I contacted each credit bureau to dispute collection file. It is now XX/XX/XXXX and I received a collection notice from XXXX, XXXX XXXX XXXX for {$370.00}
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (CO)

AMERICOLLECT ( Original Creditor : XXXX XXXXXXXX XXXX ) is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (GA)

On XX/XX/2021, i sent a letter to the consumer reporting agency regarding some inaccurate and unknown items on my credit report. Today XX/XX/2021, i am still waiting for a response. I have not received any type of acknowledgment or a response regarding this issue. It is been over 40 days now and these items are not still being investigated and it is irritating. I believe if the consumer report agencies are all ignoring me, the items that i am disputing should be deleted promptly because it has been so long. In addition, the law of section 611 ( a ) it states that a failure to investigate a consumer 's items within 30 days gives a reason to immediately remove those items previously disputed from my credit report. 
I demand these accounts be deleted immediately. In addition, my information was also impacted by the equifax data breach and may have got stolen.
Consumer complaint received 2019-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/19 I transferred XXXX dollars to a Bank of America account for the lease of an apartment. 

On XX/XX/19 when the transfer went through, I was informed by the scammer that the account was mistaken and they needed me to redirect the accounts. I immediately canceled the transfer. 

Having arrived today XX/XX/19 to begin the terms of the lease, the scammer told me that the apartment was not available.
Consumer complaint received 2020-05-27
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. (GA)

Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.
Consumer complaint received 2021-02-25
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: Santander Consumer USA Holdings Inc. (LA)

In 2020 ( Complaint Number : XXXX ) was filed again Chrysler capital /Santander XXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation with Santander/ Chrysler Capital and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXXXX/XX/XXXX; contact my attorney General. I am in the process of purchasing a home & for the last 6 months XX/XX/XXXXhas been telling me to Chrysler capital is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or Chrysler capital is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. Santander is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.