davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the US Bankruptcy Court and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (CA)

Today I called and spoke with representative advising that next month annual fee of {$48.00}, I request account to be closed bc I do not want to pay the fee, she refused, The representatives 1st level are trained to the consumers that UNLESS you pay the balance infill, you can not close the account. In addition, if consumer is not able to pay the balance in full REVVI will then assessed the annual fee of {$48.00}, in my case. CFPB should look in to this bad faith practices. XXXX  I experienced the same with XXXX  XXXX, TOTAL VISA, all belonging to the same financial institution umbrella ). Next, I disagree with the rep and requested an escalation, she said, I do not understand escalation, I said a SUPERVISOR OR ACCT SPECIALIST, she then transferred my call and the SUPERVISOR very quickly closed the account and advised me that the annual fee will not be charged HOWEVER, they will continue to charge a monthly fee of 6-8, which is part of the anual fee. I considered this illegal, excessive fees on top of the 36 % interest they charged me. I had this account for 24 mis, with a credit limit of {$300.00}, never been late and they originally charged me XXXX to open account, XXXX activation fee, a monthly fee with a minimum required payment of {$41.00} Last, when you make your payment it takes them 10-14 days to credit the payment so you're never able to use the full credit available because they generate a statement which includes the excessive monthly fee. 
REVVI has charged me excessive fees in the total of XXXX for a XXXX credit card limit. 
BREAKDOWN XX/XX/XXXX, {$75.00} ANNUAL FEE, {$95.00} ACTIVATION FEE, XXXX MOS {$150.00}, XX/XX/XXXX {$30.00} late fee, payment mad eon the same day, its been under review pending back office approval. TODAY, I was able to stop them from billing me {$48.00} Annual Fee but they want to continue to charge me a monthly fee of {$6.00}
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I'm concerned about the validity and accuracy of a recent investigation conducted by Chex Sytems , Inc. on an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that appears on my Chex Systems report XXXX This account was created without my knowledge or permission. I requested an investigation two months ago after being informed of this fact because I believed this item was not being reported legally. Soon after, I spoke with a representative who informed me that the Chex Systems investigation was complete and the information/account was deemed verified. I was sent a letter stating the source of verification, a personal signature card, for an account that was opened onlineand the customer 's acknowledgement was electronically obtained. Evenafter presenting them with an up to date FTC report and other verifying documents to my being a victim of Identity Theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights under the Fair Credit Reporting Act. I have the right to privacy under 15 U.S.C. 1681 Section 602 A. Section 604 A of the United States Code. It also states that a consumer reporting agency can not provide an account unless I provide written instructions.
Consumer complaint received 2020-05-30
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. (GA)

On my credit report, my address should indicate XXXX XXXX XXXX, XXXX, Ga XXXX. 

I also have inquired that should have been soft inquires not hard inquires. 

Also, I need my payment information update more often since I am in the hiring process for a federal position that relies heavily on my credit report.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (FL)

I received a letter on XX/XX/2022 from Payliance debt collector that it said a have to pay a debt from XXXX of XXXX XXXX I sent back a letter to explain that t debt was not mine, I did not make any transaction on XX/XX/2022, and I have my bank statement from this period to prove it. I was trying to contact the phone number that the letter provided but was disconnect. please, I need your help, because I believe I have been a victim of identify theft
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

| Date of transaction : XX/XX/XXXX | Order total : {$1000.00} | Amount paid : {$190.00} | Agreement with business : Promotional 6-month installment payment | Nature of dispute : After arranging promotional installment payment plan with Well 's Fargo and the first payment made on XX/XX/XXXX, Well 's Fargo breached our agreement and charged me for the rest of the amount on XX/XX/XXXX | Resolution : The business has not tried to resolve the problem | Account Number : XXXX XXXX XXXX XXXX | Order Number : XXXX | Statement reference number : XXXX Note : See attached supporting documentation with details on payment agreement
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Southwest Recovery Services, Inc. (AZ)

Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. 

I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''
Consumer complaint received 2023-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-05-30
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. (CA)

After filing several complaints against TransUnion through the CPFB and the the FTC TransUnion continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was going to buy a money order and she asked me if i have iD so i provided and she started to take my personal information. She literelay asked my XXXX all my personal information and later said that she said that she is not selling me money order with disrespctful behavior. Thr incident happened in XXXX XXXX branch on XXXX XXXX XXXX. Ace cash express store. I dont wamt consumers give their info and get screwed by them.
Consumer complaint received 2022-01-14
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (SC)

My husband and I installed solar panels on our home in XXXX of XXXX and they were fully functional and approved to operate by XX/XX/XXXX. Mosaic financed the purchase of the solar panels prior to installation. When looking at the statement one day, I noticed that our principal amount was not moving, but steadily increasing each month. I was confused about this, so I called Mosaic customer service to inquire about why my payments were being applied to the principal. The customer service agent explained that we were being charged {$5.00} interest per day on our principal balance of {$20000.00}. I also found out that although our payments did not begin until XX/XX/XXXX, the interest began as soon as the loan was approved. This was not explained to us when he agreed to terms over the phone or we would have never gotten the loan. Although we have been paying the contracted amount of {$140.00} per month since XX/XX/XXXX, by the time I realized what was going on, we were so far in the hole that we now owe {$20000.00}. We were not even made aware that we could make payments prior to XX/XX/XXXX! I just need this company to be more upfront about their fees and not rush buyers through the process of signing the contract over the phone. We are now trapped in this contract and are going to have to make triple payments in order to make a dent in the principal without drowning in the interest. I feel that this is predatory lending and this company needs to be held accountable. We have no issue with paying the loan as agreed on the phone, but the contract and the phone conversation to get us to sign varied significantly.
Consumer complaint received 2022-07-18
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. (VA)

I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX. I have never applied for a mortgage loan in my life.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

Hello and to whom it may concern : My name is XXXX XXXX XXXX I have two separate accounts XXXX XXXXXXXX XXXX. The concern is in the regards of my tag registration for my XXXX XXXX XXXX XXXX  that was purchased from USAuto Sales XX/XX/XXXX. I have been trying my best to get in contact with someone to assist me with the issue of receiving the paperwork needed to get my tag since XX/XX/XXXX. I keep getting the run around with the previous owner USAuto Sales and found out that was due to the company going out of business. So I have been diligently searching for the same information from XXXX XXXX XXXX and this is where it's led me. Can someone please give me a call ( XXXX ) XXXX or email me ( XXXX ) at your earliest convenience. I am worried that this extreme gap in time-frame is going to cause me to be penalized ( $ $ $ $ ) at the DMV in a major way.
Consumer complaint received 2020-05-30
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. (RI)

Hello. My social security number is XXXX. Up until XXXX of 2019 my credit score was XXXX. I always pay my bills on time. And pay more than the usual amount needed monthly. I has a XXXX procedure done XX/XX/XXXX and used my XXXX XXXX credit card so that i could get the XXXX airline miles with my procedure as it was XXXX. The next month I received numerous emails telling me my score plumetted to XXXX!!! I called the XXXX XXXX  Company who said its a large purchase and they thought it could be fraud as I dont make large purchases like that. They said not to worry if i pay my bill on time, within 2 months it will bounce back to nearly 800 where it was prior to that day I used it. Its been 7 months, Im being denied a mortgage, Ive applied to 3 Lenders. All 3 consider the score and deny me.I have many credit cards with high available credit lines, that are unused and this unfair act is stopping me from buying the home I want as Im viewed with a low low score. Please, please help me.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Carvana Group, LLC (TX)

I purchased this vehicle from XXXX online I had a 7-day test trial the vehicle had over XXXX miles. After driving the vehicle for 3-4 days, I advised the company that the car was not shifting gears correctly. On the sixth day of having the vehicle, I advised the company that car would not start s and I was left stranded they sent me to a local service station where I was given a new battery and I advised the mechanics to check for possible transmission issues I was told that the vehicle was fine. Within 90 days, outside of my XXXX-mile warranty, the car transmission gears continue to shift and I continued to have issues with the vehicle. The car transmission went out and I was left with no vehicle it sat in a service shop until XX/XX/2022. The car was repossessed because I stopped making payments on the vehicle because I advised the company and the XXXX dealership the the car was having transmission issues from the very beginning. I recently viewed my credit report and noticed the company wrote off the car for XXXX before repossession of the vehicle. I knew from the very beginning of the loan contract that the transmission had issues I kept taking it to their service center that passed the vehicle with flying colors. I am a XXXX XXXX  and the loss of the vehicle cost me income. I believe that XXXX sold me a defective vehicle knowily.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I attempted a mobile deposit through the 5/3 banking App on Friday, XX/XX/XXXX in the amount of {$750.00}. After a glitches, I was notified that it was successful. My next attempt to login was Saturday XX/XX/XXXX and upon doing so, I wasn't able to login. When I tried to call customer service right then, it was closed. I waited until The following Monday XX/XX/XXXX during normal business hours to try calling again. It was then that I found out my account was locked due to too many unsuccessful attempts. When I spoke with customer service, I was told that I needed to verify my funds with supporting documentation to prove that the check was for me. I went into the 5/3 bank ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) on Tuesday XX/XX/XXXX with XXXX documents that verify that the check was for me, where the check came from, along with DIRECT contact information for the person in charge of distributing my stipend, AND THE ACTUAL CHECK. The teller reviewed, scanned, and emailed the documents to the Fraud representative who would review them for the investigation right in front of me. The teller explained that I should be hearing back within 72 hours. Today is XX/XX/XXXX and I haven't received any calls emails or updates and I have called them on XXXX separate occasions to follow up. After calling today, I was told that they were closing my account because the documents that were emailed to them were blank. My funds have been held up for 2 weeks! I can not pay my bills or anything for that matter. If, by chance, the documents came up blank, why couldn't that have been resolved or inquired about before I left the bank on XX/XX/XXXX. I would have happily given the documents back to the teller for a resubmission. She rewvied and verified everything herself and could have simply clarified that there was an error and resubmitted. Now I, and my family are behind on bills, I can't borrow anymore money to get back and forth to my XXXX, which puts all of my hard work at risk! I'm angry to say the least and worried. Please help me!
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (VA)

I have current premium checking which I had to upgrade and pay for had the account for awhile and I had some unauthorized charges come up and I filed them filed out there unauthorized charge form and sent it back in an email right away they said theyd be in touch its been over 10 buisness days almost 3 weeks and Ive heard nothing numerous emails Ive sent asking whats going on wheres my provisional credit if there investagating still nothing not a word back and I ask the people at support and there rude about it say they have non of that info disputes only does but I cant reach them so Id like my credits back in my account
Consumer complaint received 2022-07-18
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. (OK)

15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by TransUnion.
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NY)

- I purchased 1 laptop in XX/XX/XXXX - XX/XX/XXXX the laptop was damaged turned into a repair center : XXXX I had Full replacement insurance - Conns Issued me a replacement Laptop with my full warranty - Conns reported on my Credit that I possessed 2 laptops and charged me for 2 laptops with 2 contracts - since XX/XX/XXXX I have been fighting to get the other laptop that is in possession of conns off my credit report and Conns has refused too - Conns lied and added an additional contract, which I did not agree to to another contract. I have all paperwork and contracts. 
- Both Contracts have the same exact product on each contract with the same unit, and charged me for 2 laptops - To this day, Conns has not settled the matter.

- I was sent collections settlements for 2 laptops that I do not have possession, but conns has the laptops at their repair center, which were never returned to me, but I have a contract -
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

After receiving a, " DARK WEB ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes . '' BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX XXXX Owed : {$7500.00}, XXXX XXXX XXXX Balance Owed : {$7100.00}