davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MD)

I got a notice in the mail saying that I owe XXXX {$430.00} and I do not have a XXXX account that I owe money on or have never bought anything through XXXX to credit it is not my debt
Consumer complaint received 2022-04-13
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. (AL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment.

on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-15
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-27
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Toyota Motor Credit is freshly reposting a charge-off of {$13000.00} to my credit report, inaccurately reporting a " recent '' Charge-Off ( CO ) repeatedly. A 2 year payment history is showing OK payments XXXX - XXXX and a CO at the end of XXXX in error. Any charge off would have been from approx. XXXX and I was never given an opportunity to settle this account nor did I receive any written notification of negative actions. I believe this to be an unfair business practice and would like to resolve this dispute or have it at a minimum accurately reported on credit reports. 

Unknown account number being reported : XXXX XXXX
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it XXXX concern, On a recent review of my credit report, I discovered your company, Portfolio Recovery Associates is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Portfolio Recovery Associates cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office, and the XXXX XXXX  XXXX.
Consumer complaint received 2022-07-28
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: Medical Data Systems, Inc. (GA)

I was recently made aware of Medical Data Systems violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX also to the CFO, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Medical Data Systems had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As Medical Data Systems has been in business longer than 30 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX XXXX XXXX ( Ignorance of the law excuses not ) All are presumed to know the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Medical Data Systems never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Consumer complaint received 2021-11-15
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. (CA)

The Consumer Protection Bureau and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian has failed over four times to investigate incorrect items on my credit report. 
There is two incorrect information on my credit file which is 2 bankruptcy which is impossible for somebody to file to bankruptcy. I have a XXXX XXXX in Experian and am aware of that and they are failing to investigate the incorrect information and remove it from my credit report. I have sent them 3 registered letters and I have tried to dispute it online but no result.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

To whom it may concern, I have a BOA credit card. Last month I received my ebill on XX/XX/2019 : Pay To Account Number : ************XXXX Due Date : XX/XX/2019 Minimum Amount Due : {$79.00} Amount Due : {$79.00} Account Balance : {$7900.00} I tried to avoid missing the payment so I set up automatic payment online at the end of XXXX or early XXXX ( definitely before the due date of XX/XX/2019, but I have no email confirmation though ). And then I received a payment alert on XX/XX/2019 : Minimum payment : {$79.00} Account : Bank of America Cash Rewards World Maste ending in - XXXX Due on : XX/XX/2019 As a new customer, I thought the automatic payment will take care of the payment. So I did not manually pay anything. 

However, on XX/XX/2019, I received my new ebill and noticed there was a late fee incurred. On the same day XX/XX/2019, I also got an alert email saying " the following payment has been scheduled : Pay To Account : BANK OF AMERICA - PERSONAL CARD Account Number : ************XXXX  Payment Amount : {$180.00} Payment Date : XX/XX/2019 Confirmation Number : XXXX Pay From Account : ********XXXX Account Description : XXXX '' I then realized my automatic payment did NOT work for the month I setup. I had then tried several times to call the customer service for this issue. The longest waiting time is about 30min without no one answering the phone. Until today ( XX/XX/2019 ) I got some one who can discussed with me about this issue. She confirmed my guess that the automatic payment setting only works for the NEXT billing cycle, even though I have set up it before the due date of the current bill. 

I accepted there may be technical difficulties for BOA to make the automatic payment setting work the same month. But it should notify customer, at least in a confirmation email about the automatic setting. Sadly, I did not receive any confirmation/notification from BOA after I had set up my AUTOMATIC payment. Ironically, BOA did sent out a payment alert on XX/XX/XXXX, in which again nothing was about that the AUTOMATIC setting wouldn't work. So customer as I was mislead by this nontransparent communication. I then talked to their manager. BOA insisted that according to heir protocol, there was no payment for that month, so my late fee should be collected, given all the fact I presented above. 

In all, the BOA automatic payment does NOT work for the current bill. And during the process, BOA 's communication is not transparent and misleading. The result late fee is unfair! And I believe it is not only my single case. I hope CFPB can look into this issue and protect customers from this wrongly issued late fee.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

Received notice that my case was closed due to me not sending additional info. 
Case # XXXX This mortgage Company XXXX XXXX XXXX has not brought my account CURRENT. 
this has been hanging over my head for a year. I want to be able to sell my house and purchase another. I have lost the new home I chose and have missed the prime home sales period. To say nothing about the credit card debt that would have been paid off months ago, if I had been able to sell my home earlier in 2019. This endless dealings with XXXX has cost me so much money. 
I'm a senior citizen, female, on fixed income and this is draining me so badly. 
Now I have to wait, yet again, to pay off the debt. 
TO say nothing about having my home in Pre-Forclosure for a year. 
So much unnecessary strain and STRESS.
Consumer complaint received 2023-02-23
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. (GA)

i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items as soon as possible.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

Hello, I am showing a hard inquiry on my credit report from AUTOMOTIVE CREDIT CORP I have not been to a dealership/car lot to purchase a vehicle, and I certainty have not given anyone permission to use my information, nor agreed to co-sign for anyone. Please investigate into this a remove if possible.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX Capital one XXXX XXXX XXXXXXXX XXXX XXXX late payments XXXX I've reached out to these companies and told the companies and bureaus they are inaccurate information those are fraud accounts I have inaccurate late payments on my auto loan Actions need to be taken against these companies
Consumer complaint received 2022-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MS)

Aidvantage/Dept of Education has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my credit report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 169 ( d ) ( 6 ), has negatively affeced my ability to extend credit and operate in commerce.Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I'm aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave respnsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by AIDVANTAGE/DEPT of Education before furnishing it.This shows that the consumer reporting agencies have shown bias toward me because i never gave my lawful authority for any consumer reporting agency or AIDVANTAGE/DEPT of Education to furnish any `` late payments '' to my consumer report. It is my belief that due to AIDVANTAGE/DEPT of Education business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ) XXXX they parrot any information given to them as a means of coering consumers to pay extra fees for debts that they allegedly owe. 

Late Payments XXXX XXXX, XXXX, XX/XX/XXXX XXXX I sent certified letter to AIDVANTAGE/DEPT OF EDUCATION XX/XX/XXXX they responded back on XX/XX/XXXX with a document saying they would not remove late payments.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hello I have a Credit Card Account with HSBC. 

Current Balance as of XX/XX/2019 is {$3800.00} Minimum payment due date is the XXXX of every month. 

Account has ALWAYS been in GOOD STATUS. Automatic payments are attached to the account. 

Latest automatic payment was returned. In order to comply with due dates i made several payments within the 30 days period. 

On XX/XX/2019 HSBC reported the account 31 Days Late to the Credit Bureaus despite payments made withing the 30 days period prior to reporting. 

The issue appears to be the MINIMUM AMOUNT INCORRECTLY communicated by HSBC to me : Minimum Amount indicated to pay was XXXX . AMOUNT SPECIFICALLY REQUESTED BY HSBC, CAN BE CONFIRMED ON STATEMENT AS WELL Correct Amount was supposed to be XXXX $ - NOT REQUESTED SO - The 3 $ discrepancy incorrectly given by HSBC to me resulted on late reporting to the Bureaus. 

Multiple recorded attempts were made specifically to avoid any late reporting, both by automated system and directly to costumer service. 

NO LATE FEE WAS EVER GIVEN DUE TO THE FACT THAT THE ACCOUNT WAS NOT LATE AT ALL. 

NO LATE FEE IS INDICATED AT ALL ON ALL STATEMENTS HSBC is responsible to remove the 30 DAY LATE reporting to the credit agency. 

Documents, including confirmation of payments, statements and specific detailed payments made withing the 30 day period are attached. 
Also credit report.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (LA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX  XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/2022 I sent an electronic payment of {$110.00} through my online bank payment system to XXXX XXXX  for my BJ 's account balance as I always clear my card balances each month. Mid-XXXX  I received notice that my payment was not received. I stopped payment through my XXXX XXXX account and sent out another electronic check on XX/XX/2022 which XXXX, now Capital One says they haven't received. Besides calling and speaking to numerous supervisors, I have promptly faxed the company every type of information they have requested from me! I have gone to XXXX XXXX and gotten print-outs of the electronic transfers which was requested and faxed them to Capital One. I have a case number and names of the supervisors. Capital One is adding late fees and interest onto the account which has brought the balance up past {$200.00}. I just closed the account last week until it is cleared up. I do not know how to upload the documents below. 
Please help me clear up this problem. Thank you.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (LA)

XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit XXXX XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

hello good afternoon i went to a car dealership and they ran my credit and afterwards i had 25 hard inquires on my credit and i tried to get them removed but they are still on my credit these are the the companies capital one capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX