davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (VA)

I reside atXXXX XXXX XXXX XXXX in XXXX VA XXXX.My landlord is deceased on or around XXXX XXXX he died intestate. The social worker for XXXX XXXX is attempting to contact An attorney She had a complete XXXX XXXX and, has the XXXX XXXX XXXX XXXX  and is under XXXX  XXXX  XXXX.I request they stop contacting me and file a claim with XXXX XXXX 's estate
Consumer complaint received 2022-11-29
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (NC)

There are several charge offs reporting and that's illegal to do because charge offs are considered cancelled debt abnd according to the IRS cancelled debt is considered income, and income can not be reporting in a consumer report. The document attached is evidence from IRS websiteindicating about cancelled debt and how its income and the XXXX consumer reporting agencies reporting the the charg offs stating the law USC 1681. i have never authorized the bureaus to report this and this is DEFAMATION. I can litigate the bureaus for they are reporting information that's not supposed to which will damage me financially and enotionally.
Consumer complaint received 2024-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/year>, my online American Express account was hacked by fraudster. They fraudulent opened a business line of credit ( previous Kabbage now XXXX XXXX ) and made a number of fraud transfers. I called American Express right away and reported the fraud, as per their request, provided the entire package of ID Theft Affidavit within 2 days in XXXX. Since the investigation case becomes mystery and I have called almost every other days with long hours of wait time. All representatives were mentioning the case was escalated but they need fraud department to clarify a few things, either they themselves could not get hold of someone in that department or that department is not working. They promised in all calls that someone will follow up with me 24-48 hours, no single person did in these almost 3 months. Things start to get worse, as the business line of credit was not tagged with fraud and continue to send me past-due payment notifications. I called again and they told me not to worry about it as the investigation is still going on until about one month ago, I received notification about my American Express credit cards were suspended for use. I called again, they told me because my profile was marked as past due from the business line of credit side, it halted all other cards ' usage. Now I am really frustrated as it not only continues to be a matter I have to resolve, but it impacts my daily life including recurring linked payments from these credit cards. I have no clue why it took Amex this long for a fraud as a consumer i reported right away. Furthermore, for the business checking account user id, I asked them to help me change the login information given the fraud attack, they told me it is a system limitation. As a result, I requested closure of that account, which they mentioned multiple times it was closed including a mail sent to me, but i have yet to receive any closure with my balance check.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XX/XX/2023 contact debt collector midland credit management with intent to pay full balance. Debt collector stated that they would take off 30 % of full balance. I was assured that it would not affect reporting and it would be a deletion. Asked for a settlement letter as well. I was advised that it would be removed from the account and that they would furnish a letter to confirm agreement. Received settlement letter with amount that was agreed upon. Week of XXXX XX/XX/2023. No validation of payment or payment a letter stating it was paid in full. Call mcm for the receipt of payment and also the fulfilling agreement of deletion. Debt collector also stated that there wasnt a payment. Debt collector told me to shut up and that I keep saying the same thing over and over again. Until I told him I have a copy of cashed check distributed. Which he quickly found. Mcm reported that it was still in collections XXXX XX/XX/2023 and wasnt paid. The debt collector threatened with legal consequences to pay the 30 % off and also that they would continue reporting the accounts as he wish due to me disputing with credit bureaus. I advise debt collector that I was going to make a complaint for false information them reporting open accounts open with owing over {$580.00} for the month of XXXX also, report the threat of legal action and refusal to honor terms of deletion.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On XX/XX/2022 credit acceptance opened an account for me. Through a third party which is XXXX XXXX. Upon looking over the account Ive found multiple violations 15 usc 1681 604 A, N, I 15 usc 1666 B XXXX gap XXXX interest on the loan XXXX illegal repo / theft of vehicle XXXX identity theft XXXX deceptive practices
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I have been trying to open business account with my credit union to get my PPP funding and XXXX XXXX XXXX has incorrect information reporting to Chex systems as fraud/acct closed/ nothing paid showing to chex systems. I contacted XXXX and there system does not show any of this. XXXX says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what chex system says is showing and no way for anyone to generate any letter to chex systems because the system does not show any negative balances due. 

Finally talked with risk manager at XXXX who said well send in a copy of chex system reports and go from there. I tried calling XXXX risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into XXXX  location and have them fax. I went into XXXX and the reps faxed copy of XXXX balance due paperwork to chex systems then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave XXXX admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end XXXX admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with XXXX so hopefully they can see their own mistake if they too use chex systems to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within XXXX institution. having trouble getting paperwork to XXXX to get Chex systems updated. chex systems will not remove unless they here from XXXX. XXXX says nothing to update, yet the consumer is losing due to XXXX error Consumer is suffering, Consumer will homeless on the streets of Michigan.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2021 between XXXX I went in to Bank Of America to deposit my unemployment check of {$2200.00}. I told the teller ( XXXX  ) who was there to cover a shift that day from a different branch. She was having multiple errors and confusion. I told ( XXXX  ) to deposit {$2000.00} to my savings and get the rest back of {$250.00}. She was having difficulties, and was taking long. I told her never mind just give me back my check and Ill deposit it outside the ATM she replied and said no I got this denied my request. She made me sign a paper and I didnt have my glasses so I couldnt really read what it said and she did not explain. Teller XXXX XXXX XXXX made a transfer from my savings to checking of {$200.00} which I did not request or approve. She transferred back {$200.00} from checking to savings. Finally she only gave me back {$250.00} from my check. I later on noticed that I only had a deposit back of {$1000.00} from my unemployment check and the other {$1000.00} was missing. I went back and spoke to branch manager. We went over transactions and she told me it says I got back {$1200.00} but I did not. I only got {$250.00}. I told her I want to file a new claim. I called number behind card. Spoke to 7 claims people and no one helped. They all gave me different answers and had me going back and forth to branch manager who also kept telling me to call claims department and claims department. I requested camera footage of that day and get over with and have proof of not receiving {$1000.00}. Claims department kept telling me to go talk to branch manager for her to request the footage. Branch manager had no clue why to do. This has been causing me so much emotion distress, Im XXXX  my XXXX XXXXl and XXXX has been very high. I Finally requested to speak to claims manager and request surveillance of that day. Claims manager denied and asked the only way for manager to obtain footage is from a police report or take it to small claims. I received a letter from Bank of America and they did not resolve my request.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AZ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-06-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. Thi is item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the XXXX year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I  contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. 
Please help.
Consumer complaint received 2020-10-09
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: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I received a new credit card in the mail from Comenity Bank replacing my Wayfair account. The mailing had an activation promotion flyer that stated if you activate this account and make a purchase 90 days from the activation and charge {$500.00} or more on your account you would receive {$100.00} in cash rewards. I activated the account on XX/XX/XXXX and used the account to make a purchase with XXXX {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I had to reorder my blinds and recharge the account for the same amount because of a change to my blind order. On XX/XX/XXXX I spoke with a XXXX at customer service and asked if the promotion shows up at her end. She said it did not and the reason was because the purchase was deferred interest. I was never told that my purchase was deferred interest and I still have not seen this on my statement that it was deferred. XXXX told me we can not honor the promotion because of that. I told her that when I made the purchase there was never an option to defer payment instead. Yesterday I received another mailing for the same promotion spend {$500.00} or more and receive {$100.00} of next billing cycle. 

I felt that this was extremely misleading and therefore I paid my balance off. She also said that my rewards of {$27.00} can not be applied towards my balance. So I paid my balance off. 

I felt this company was misleading me so bad and I did not feel comfortable with them that I had to report this. 

Thank you,
Consumer complaint received 2023-08-10
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Consumer complaint received 2020-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America continues to make errors on my monthly statement and activity on my HELOC with them. 
On XX/XX/2020 B of A properly deducted the required monthly payment for the loan from my checking account. However, B of A did not apply the payment to my outstanding balance. It is left in an account called " unapplied funds ''. My principal balance was not reduced. 
I have been reporting these problems to B of A since late XXXX and while they have corrected the previous 5 errors of this nature, they are continuing to make errors with XXXX regard to the customer. 
I have spent countless hours calling, writing and emailing them only to have the same problem occur again.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (PR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.