davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TX)

EOS CCA has been illegally reporting a collection account on my credit report. This account was paid nearly two years ago, XX/XX/2017. On the call with the company back then I recored the lady a total of three times assuring me if I paid the settlement that she would immediately notify the credit bureaus to have it removed/deleted from my account. Nearly two years later it still shows up as a collection on my credit file affecting my ability to purchase a home.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA has not been capable to handle a simple investigation. I talked to 3 USAA representatives XXXX XXXX and XXXX XX/XX/23 from their resolutions team, who assured me USAA made a mistake and not ALL information was considered when making a decision to take back {$200.00} credit from my account. Their derision to take back the credit was bogus and unfounded, claiming there were no pin failures. When 3 of their USAA reps had complete access to see not only there were MULTIPLE pin failures but different baks were used to withdrawal money. THOSe reps also concluded that XXXX denial WAS NOT accurate or agreed with the assessment. 

Most importantly on XX/XX/23 a new resolution was issue making me liable stating " to new information was provided '' when all the notes and evidence IS WITH THEM from their own usaa team members who submitted the necessary and available information, USAA is either playing or has untrained personal working these cases. 
I would like USAA to correct their mistake immediately, issue a refund and investing why they are failing their customers.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.
Consumer complaint received 2020-04-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (IL)

This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Halsted Financial Services, LLC. (FL)

I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of XXXX previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXXThese receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On Tuesday, XX/XX/year>, I received a bill in the mail from Bank of America telling me my current payment due date. This was shocking to me because I knew that this was not a card that I had applied for. I immediately called them to inquire about the card because I had not opened an account with them, nor did I authorize anyone else to do so in my name. They informed me that a student loan was paid off using the card from XXXX XXXX XXXX XXXX, which was applied for on XX/XX/year>. I called the XXXX XXXX XXXX XXXX to let them know that my name and personal information had been compromised and was used to make fraudulent charges. Then on XX/XX/year>, {$7900.00} was charged onto the card using my name. XXXX XXXX XXXX XXXX only supplied me with a partial phone number, and a login name. The next day, I filed a report with the local police department.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023 I deposited {$10000.00} from my XXXX XXXX XXXX XXXX bank account, into a capital one HY savings account. Two weeks ago, roughly around XX/XX/XXXX. I went to withdraw some money and found out there was a hold placed on the account. Called the first number, Capital One said that theres an investigation into the original deposit on the account because it came from a business account. I informed them that Im the owner of this business account and can verify that, they said that theres nothing they can do. They have no dates on when my money would be released. Went into a capital one bank in XXXXXXXX XXXX  on XX/XX/2023. They said that there was nothing they could do. They dont have any more information. They however did give me a case number ( case XXXX XXXX ) and another phone number to call. When I called that number Capital One said that theres been a flag on my account since the original deposit they have no knew answers on when my money will be released. I asked again for them to return the money to the original account. They said no they cant do that. They have no answer when my money is gon na be released or when the investigation will be over. Theyve held my money for 4 months without telling me and I would like my money back.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Received a voice message from XXXX ( identified as United States ) stating the message was for XXXX XXXX XXXX, requesting a callback at XXXX. I called the number provided spoke to " XXXX '' who stated the matter would be investigated and they would continue to attempt to collect the outstanding debt from 2017 from a pay day lender ( XXXX XXXX ). I informed " XXXX '' I had never heard of XXXX XXXX, she then asked me if I knew " XXXX XXXX '', which I replied no, she asked if I knew " XXXX XXXX '', I once again replied no. When I attempted to ask her for the documentation she hung up on me. Irritated, I called the XXXX number again and spoke with " XXXX ''. I retold the story, he asked me to confirm the last 4 digits of my social security number when he read them off. I confirmed and advised I had no knowledge of such a debt and to please provide me written documentation. He asked if a very old address was my current address, I advised him that his information was incorrect. He also then disconnected the call. I believe this is a collection company called Midland, they are clearly using improper tactics and not providing full details when they are making these accusatory telephone calls. I attempted to call the XXXX number again, only to discover it was now " Out of Service ''.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The payment transcribed to their system incorrectly. The rep saw the correct payment on file and saw that it processed incorrectly in their system but would not return or reverse the fees. I spoke with 6 reps about this and no one even after finding the discrepancy would assist with the fees reversal.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

there is information on my XXXX and Experian credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right XXXX privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX  removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

incorrect information about my address in which I am unaware of these addresses and I have never lived at these addresses that are fraudulent and are affecting my credit report, I sent them proof of my correct address so that they would eliminate the incorrect and fraudulent addresses and I am unaware of those addresses. It's been more than 90 days and I don't see a solution to my problem regarding my address correctly, so I want it to be resolved soon.
Consumer complaint received 2020-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My original mortgage company filed bankruptcy and now shellpoint mortgage has taken over, and today i continue to follow up on having my account reflect the accurate amount I have even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid I have called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse because they said they a debt collector and they trying to illegally take my home on false information. Please help. I have provided proof within this email. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail when they have evidence that my mortgage should reflect current. They will call me stating that they are going to fix the situation but the individual won't put any of what she says she's going to do in writing, which disturbs me. Today they continue to send stacks of mail when payments have been made as required. I have also submitted the XX/XX/2020 payment and awaiting it to post but I understands that takes time. They sent an letter stating what was due, when you add up what they stating was missing it was the money orders that they say they can't allow to reflect on the account until they speak with XXXX, this wouldn't be an issue if information was sent within a timely manner informing me of the changes and whom to send the payments to, instead they are now doctoring documents trying to make it as if I owe something when I don't have shown how documents sent out are inconsistent and full of fee 's that shouldn't he paid these payments in question by money order, but still charged an NSF charge. This doesn't make since, when I speak with them verbally they tell me things like disregard the bills coming or don't worry about it and we are working on it, we are going to fix this, I'm sorry your going through this, we are going to make this right, we are going to fix your credit with all the credit agencies and remove the late payments and all the NSF charges. The manager was able to determine while my dad was late at times he never missed his payments and according to what it's reflecting he owes and what has been provided as proof my dad owes nothing but XX/XX/2020 payment and that has been mailed off. Today XX/XX/2020 nothing is fixed and I have an another verbal appointment with them tomorrow between XXXX and XXXX eastern time for them to verbally tell me what they refuse to put in writing. If it wasn't for the emails that reflects this unprofessional pattern of business they would have never communicated with me and they would have continued providing me the run around. 

XXXX XXXX  XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am reaching out and filing this complaint to EXPERIAN to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 

Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. 

As a consumer, I place a high level of trust in EXPERIAN to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. 

To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian, XXXX and XXXX are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account : XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXXXXXX XXXX  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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (TX)

Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. 

Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX XXXXXXXX that i need to call the bank. 

As I have two bank account with Laurel Road - Keybank. Checking ending in XXXX and saving ending in XXXX As per the statements ( attached ) -they charged me {$20.00} overdraft fees on XXXX XX/XX/2023 for no good reasons. 

I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

Discover Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from XXXX XXXX updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (FL)

The accounts never belong to me or any transactions made by me. I am requesting to remove account with balance 0 which are not mine as soon as possible.

a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.