davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MN)

I need to file a complaint on behalf of sunshine credit services they keep sending me statements claiming that I owe a XXXX Bill 1st of all I have never had a XXXX account I sent this company a debt Validation letter they replied back with copy of some bill statement again I have never had a XXXX account I have asked this company to please send me a credit application that was used to open this account with Signature attached., But that was Not included also this company has been calling a co-workers Of mine at XXXX Not sure how they are getting her number I also asked them to please remove her number from their call list. Also if you have placed any info on each of the credit reports please remove the items from my credit File If you are unable to send me a credit application Please defer this account back to sprint so I can dispute this item with them as well.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15usc 1681 section 602 states i have. the right to privacy.

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

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Midland Credit Managemen and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all XXXX Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-05-20
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. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My payment was due XX/XX/XXXX, and I sent it from my bank 's bill pay service on XX/XX/XXXX. The payment is via a physical check. Bank of America posted the payment on XX/XX/XXXX and charged me a late fee. BofA claims this was because of post office delays, but I have my doubts since BofA routinely takes a week longer to post payments than the insurance company I pay from the same bill pay service. BofA reps claim they want to give the fee back but " the system '' won't let them because they've had to fix this several times in the last year. Multiple times BofA promised that a supervisor with additional authority would call me back, but it never happened.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent a letter regarding the misleading inaccurate items on my credit report. To this day I have not received a response. This is causing me a lot of stress. These inaccurate accounts are hindering me from obtaining credit. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Consumer complaint received 2019-01-11
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. (CA)

This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, EXP and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, 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 they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I deposited checks at my Fifth third Bank account in 2019 which was given to me by my brother and relatives to buy my house as I was low on my down payment. The Bank put on hold for one month. Then they said they sent one of the checks to IRS in amount of {$7000.00}. I called several times to the bank which they keep saying to contact IRS. I have been talking with IRS live agent and sending mail butThey are saying that they didnt get any source of the check which was sent to IRS by Fifth Third Bank XXXX 
The contact person for Fifth Third Bank is XXXX XXXX. She can be reached at XXXX XXXX XXXX. 
I humbly would like to request if you can help me where the check is and how do I get back. 
Thank you for all your helps. 
Here is My informations Name : XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX. XXXX  XXXX Phone XXXX XXXX XXXX Email XXXX Sincerely XXXX XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 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 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 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 2022-05-20
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. (OH)

I have send letter numerous times to the 3 Credit Bureaus to check and to validity these account that are been reporting error, inaccurate and incomplete credit information. I been asking for Re-Investigation over again
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

At this stage, I dont even know what to say. This XXXX XXXX doesnt even bother to read the complaint and copies/pastes the same useless response as in previous complaints. I raised a very specific issue but she cant even be bothered to read, let alone reply to that. I guess I will keep filing complaints till she bothers to at least read my complaint I want them to show me where do they list in their terms and conditions that I need to wait 90 days to get a direct deposit? They just make their own policies as they go. I have read all the terms and conditions and nowhere does it state that I need to wait 90 days to get a direct deposit. Even their own website says the opposite and says that my rewards are available for either statement credit or direct deposit. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this unethical company
Consumer complaint received 2022-01-18
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. (MS)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 


The following accounts are fraudulent : 1. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 



PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Creditors, Inc. (TN)

After an emergency room visit on XX/XX/XXXX, to which I was admitted, I was not told I would receive bills from each and every person I came into contact with. But, I did. It was a learning experience. However, upon receiving the hospital bill, I applied for financial assistance, since I am a XXXX XXXX XXXX XXXX with limited and infrequent income. My insurance only covered a portion of the total bill. When the emergency room physician bill came in, ( which was higher than the actual hospital bill, approximately {$1100.00} ) I contacted them to make arrangements to pay what I could. I also told them I had applied for financial assistance and they said to forward it to them if and when I was approved. It took several months before I was approved, but in XX/XX/XXXX, I received the letter for 100 % financial assistance, good for 6 months. 

I stopped receiving statements shortly after I began making payments to XXXX XXXX XXXX. I didn't have an account number or address to send payments to, until I contacted my insurance company to get the information from them. 

I mailed in a payment on XX/XX/XXXX and received a collection notice from Affiliated Creditors dated XX/XX/XXXX. I called the billing department of XXXX XXXX  XXXX XXXX and was told they would not accept the financial assistance approval letter because I was in collections. It seems to me that these outside billing companies are determined to not accept payments and will readily hand them over to collection agencies so they don't have to honor their agreements with patients. 

ACI called me on XX/XX/XXXX. I have not returned their call but will be sending them a certified C & D letter. I continue to make payments to the original creditor.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (TX)

I made the payment due, as I have always done but unfortunately it was a few days late. The company took my full payment but I didnt have the late fee. They applied the money towards the late fee first then stated I had not made full payment so it would be reporting negatively to my credit report. Also they stated If I dont pay the {$10.00} plus the {$2.00} convenience fee additionally. 

I feel I paid my full payment and should be applied to my full payment before the late fee and especially before reporting negatively to the credit report.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, TRANSUNION AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
TRANSUNION-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX 2015.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Inappropriate probably illegal handling of deposits via Capitalone App. 

Executive Summary, I proceeded to deposit a bank draft to my CapitalOne 360 Checking Acct, Deposit was successful as per their email communication instructing me to destroy the deposited check ( see Attached copy ), after 2 days the credited amount is debited, over the telephone they tell me " Bank refused payment ( of a bank check? ), they mail to me a copy of the check in their files ( see Attached ) that demonstrates a smear in the data transmission of the deposit via XXXX App, they request i resubmit deposit of the same check they instructed me to destroy ( again see Attached ), we continue over the course of 1 month through various escalations, to no avail - final position by a " XXXX '' that informs me they will not credit my checking acct. of the amount deposited for which they themselves sent me an email stating that the deposit was successful instructing me to destroy the check Bottom heavy infrastructure but " middle management '' as well in Customer Service with the arrogance of unchecked decisional power on one side. 
On the other inappropriate handling of deosited funds, amounts inappropriately withheld - for this I believe this body or FDIC should take action independently and above and beyond Capitalone communications with me Specifics : XX/XX/XXXX : deposit of check using latest version of Capitalone XXXX App XX/XX/XXXX : e-mail communication from Capitalone confirming deposit and instructing me to destroy draft ( see Attached ) XX/XX/XXXX : deposit reversed and deposited amount debited, no communication to client XX/XX/XXXX : first interaction with Customer Service, " XXXX '', I ask for copy of deposited bank check intheir files, which they send me by USPS ( see Attached ) XX/XX/XXXX : last interaction with Customer Service, " XXXX '', in which he informs me their decison will not be reversed, furnishing no rationale or explanation Again, above and beyond Capitalone interaction with me on this matter, as prompted by this complaint with your Office, I request this body to proceed with a formal assessment of CapitalOne actions in this matter, that amount to inappropriate appropriation of funds following problems with their software I thank you in advance for your interest in this matter Please do note that the 2 Attachments mentioned in the text above, in spite of being of accepted formats and sizes as per your instructions, do not upload to your site - do feel free to contact me as appropriate should you need any further info or the Attachements themselves - Capitalone obviously has them and i requested them to maintain these records Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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: Navient Solutions, LLC. (AZ)

Navient Account # XXXX Late payment month : XXXX XXXX  90 days late. 

This account is being reported incorrectly. How does it report 90 days late but not 30 or 60 days late. I have contacted the company to fix it but no response. There should be no late payments on this account. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15USC 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 2023-11-19
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: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2018-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: World Acceptance Corporation (TX)

I had loans with this company in XXXX thru XXXX. I was trying then to as always establish my Business and my creditors were not reporting my actual payments. 
I have been trying to get good credit for my intire life it seems and have hired so many people and companies to help me achieve this goal.XXXX   XXXX was a great way to get my credit score and build my business credit. I have had 9 loans with them and paid them all on time. Once again, I went to them for help and was told on XX/XX/XXXX that I would not be able to get a loan .That my past loan into XXXX XXXX, my 10th loan I had never made a payment on and was still on my credit report and keeping me from able to get a new loan with them. I was told that because of that it was still on my credit even after 11 years. After I was told that I could not get alone I asked them to remove the credit inquiry hard and wiry for my report. They tell me that they weren't able to and I explained that they were and they could. I told them when I went in that I had them before and that always pay off my loans. They called me twice in the same week of XX/XX/XXXX. I win in only to find out that it seem like they called me on purpose to get me in to restart the loan that they said I didn't pay off that I don't remember ever applying for.