davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a XXXX XXXX history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Police XXXX XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX department XXXX XXXX XXXX XXXX So take 20 percent from all these funding sources and open XXXX XXXX a trust fund of his own product
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (IL)

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called National Credit Adjustors L.L.C nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Sent Dispute to Experian on XX/XX/2020 disputing public record : Chapter XXXX Bankruptcy. Requested that it should be removed because it should not be reported on credit report. 
Experian conducted investigation and stated on XX/XX/2020 that they verified Bankruptcy with company listed which is US BKPT CT GA XXXX who furnished them the information. 
I conducted my own investigation and found that the courts do not furnish information about bankruptcies to the credit bureaus, vendors, or any third-parties. ( I have provided an actual letter from the court that states this. ) Verifying my information would require my full social security number to be provided by the courts to Experian which is against the law. I found during my investigation that Experian utilizes third-party vendors such as XXXX to verify bankruptcies. I do not have any public record of a bankruptcy reporting in XXXX as of XX/XX/2020. How did you verify this information? What is your method of verification? Who did you speak with? What is the name of the person that you spoke with and their contact number? What documentation did they provide you? Please provide me proof of the petition with my signature.
Consumer complaint received 2022-12-12
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. (FL)

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. 
XXXX Account name XXXX XXXX XXXX XXXX I XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account number XXXX Account number XXXX Account number 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 an 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 2021-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates, LLC is reporting a debt of {$2200.00} on my consumer credit reports. In XXXX of XXXX and then again in XX/XX/XXXX we wrote to Portfolio Recovery asking them to verify the debt, provide a payment history and documentation that proves they actually have the right to collect on this alleged debt with an assignment. 

They have yet to respond with any of the requested documentation. 

More than three ( 3 ) years ago I received one document only from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, and it is attached to this complaint. In the past I submitted a dispute with the credit reporting agencies but nothing was done and the debt continues on my report as a collection matter. 

XXXX, Portfolio Recovery Associates, LLC Dispute Department, XXXX XXXX XXXX, XXXX, Virginia, XXXX, XXXX.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was sent an email saying that my new credit card was coming in the mail. I didn't apply for any credit cards. I don't have any accounts with Bank of America. I went to a branch in NY since I was on vacation when this all happened and the branch told me they have no record of me having an account or apply for a card. So I dropped it. However a few weeks go by and on all of my credit reports is the new Bank of America card ending in XXXX opened on XX/XX/22 for a {$16000.00} credit. Again I DIDN'T apply. I called Bank of America and they told me that I had no accounts. I called a different day and got someone to tell me that there is an application in my name but wouldn't tell me anything else. I am writing here because I put in disputes with all the credit reports and BoA said that they will not take it off my credit since all the information is correct. If the information was different then it wouldn't be called XXXX. I have not been able to get BoA to give me a letter saying that I'm not responsible for the charges, close the account, & remove it from all credit sites. I also want to know where the card was shipped and everything so I know for my records if this happens again. I need this account closed and not on my report but again BoA says it is correct even though I said it was fraud and went in person and they told me I didn't have an account. I'm at my wits end. I have filed a police report. I filed disputes with XXXX, XXXX ( which BoA says is me & its not ) & XXXX, FTC trade, I have frozen my credit and they still think this is me. If it is not taken care of I will go to legal action. I have attached the police report, the filed disputes, FTC trade agreement, XXXX rejecting my dispute.
Consumer complaint received 2022-03-11
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)

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX , AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2020-12-11
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. (MO)

My identity has been compromised and sold on the dark web. My information also was discovered to been caught up in the XXXX breach. Now there's unknown and unauthorized accounts reporting falsely on my credit files. I now hereby demand the immediate removal of these hinderous accounts. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX  balance. But as you will see in the documentation they went ahead and XXXX  out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX and XXXX, Navy federal credit union charged two insufficient funds fee of {$29.00} each. when I review my account the funds were available, also my paycheck was pending to be deposited. Doing this pandemic Im the only one in my household that still has a job and it is very difficult to stay up-to-date with my accounts and pay my bills. Every dollar counts during this pandemic and the Credit union is not willing to help me
Consumer complaint received 2022-07-21
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)

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

I enlisted in Experian boost several months ago which is a new service that allegedly tracks payments and improvesyour credit score. As soon as I signed up for the service Experian began having problems connecting with my bank and it resulted in my credit score dropping by 20 points. I have spoken with Experian and they explained that if I unenroll from the program my credit score would correct itself. It's been a month and my credit score is still damaged by more than 20 points and they continue to tell me they can't do anything about it. I've reported them to the XXXX XXXX XXXX and I've had no response. This seems to be a scam developed by Experian to get a hold of your payment schedules for whatever purposes they would be using them for. I simply want Experian to erase my enrollment in Boost   and return my credit score to where it was in XX/XX/2019 prior to joining Boost
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am with a consolidated debt company, I pay this company {$700.00} a month. They take that money and negotiate with my creditors. The agency that is harassing me has already settled and received 3 payments already. They continue to call in the early morning, today it was XXXX. Then when I do answer a call they wont tell me what it is about until I tell them my address and personal information. I wont do this either. I told them to stop calling me yet they continue to call from new numbers every time.
Consumer complaint received 2020-12-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: K STREET FINANCE, INC. (CA)

I had an Auto loan with Mullen finance co. car got repossessed around XXXX/2014. which i completely understand should be reported accurately, however just recently I reviewed my credit report and now theres 2 accounts being reported under Mullen which is inaccurate. should only be 1 acct. I disputed this several times with credit reporting agencies but have had not luck. Please help correct this. thank you in advance.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

my address on my report are wrong XXXX XXXX XXXX XXXX  Ca XXXX i never lived in california alos this address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the hard inquires are 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
Consumer complaint received 2022-05-01
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. (MN)

In accordance with fair credit reporting act XXXX  account XXXX 15 USC 1681 section 602 : states I have the right to privacy. 
15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX casually ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX  XXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

As of XX/XX/20, I paid the Medical bill owed to Transworld systems Inc. a total of XXXX dollars. I was in hardship and could not pay for a while A few months to be exact. I paid it in Full and requested it taken off of my Credit report. It's hurting my business and personal credit it's making it hard for me to acquire credit for my business and my personal life. Just asking them to remove this derogatory remark so I can move on with my XXXX, Thank you XXXX XXXX XXXX.
Consumer complaint received 2022-05-01
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. (FL)

My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable