davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I paid off my credit card in full and called customer service with Bank of America ( XXXX XXXX credit card ) in order to ensure my account was closed as I had not received any further correspondence. When I called, the representative confirmed my credit card was {$0.00} balance and she ensured the credit card was closed. She then told me that I had a credit of {$390.00} and a check would be mailed to me due to overpaying. Last week, I received a bill from them that {$50.00} is due to Bank of America for interest charges. I called and spoke with customer service who put in a request to have the charges reversed as this bill was after my account had been closed. Today, I received notification from Bank of America that my request for the {$50.00} was denied. I do not understand why I confirmed by telephone with a representative that I would owe no more money, my balance actually shows a credit where I will receive a refund for {$390.00}, and my account is in fact closed. I worked really hard to payoff this debt and now they are demanding {$50.00} in interest even after the account showed no further balance or activity and was closed.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Funding XXXX XXXX XXXX XXXX XXXX, CA, XXXX Re : Cease and Desist of Collection Activities Dear Midland Funding, I am writing to formally request that you immediately cease and desist all collection activities related to the alleged debt in your possession. 

I have no knowledge of this account and have requested original purchase agreement with wet signature. 


Please be advised that any further collection attempts, including but not limited to phone calls, letters, or legal actions, will be considered harassment and may result in legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I checked my credit report and inaccurate information is there... I went to this school XXXX XXXX  not even a full semester and I see a bunch of loans taken out. I went to the university to clarify what was going on. The Financial Aid officer 's name is XXXX. I do not remember her first name. I approached her and the school officials. Nothing was done. Apparently she took out loans and was using them for her benefit and none of my payments went to the school. I told them to remove all of those loans and nothing I mean nothing was done.
Consumer complaint received 2024-09-03
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-09
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Not only violated my right also reporting two different things when they getting information from same creditor some accounts says open and close with same creditor so which is it open or close? 

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-03
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (GA)

XXXX XXXX retracted past payments from PNC car loan. I have a car loan with pnc and XXXX XXXX was making payments for 3 yrs for the use of the vehicle. I had to take her to court to get back the car from her because she didnt want to put the vehicle in her name. The judgement went in my favor and she was angry about the judgment she told her bank to go as far as she can and retract the payments on the car. Now all this happened all in one day I had no warning that this was going on. Im paid up until XXXX at the time. I found out on a credit alert that pnc had charged off the account in one day. I call pnc to find out and they told me that I was charge off on that account and moved to collections I talked with XXXX XXXX chief executive and gave her as much information about what happened she passed it to a repossession department and the want the full amount of the loan or the car will be repossessed. My XXXX XXXX has dropped and I was in the middle of getting a house I felt it was a investigation done on my behalf before charging the account off and letting me know whats going on. No letter no phone call no messages I would like my loan to be put back at good standings and my credit fixed. I proof this was paid to pnc from a pnc branch. I have had conversations with pnc in the past about giving my info out to XXXX XXXX and now she has ruined my credit and my car loan.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

I made a purchase with XXXX at XXXX using my Cashapp visa debit card. Later that morning I received an email from XXXX stating my order was cancelled. I contacted XXXX corporate support who said they have already sent the cancellation to Cashapp. I called Cashapp and spoke with supervisor XXXX who said my funds would be back in my account with 24/48 hours. Cashapp refuses to release my funds. First saying 24/48 hours, now 7-10 business days for a cancelled order. Not a refund.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I used the service CashApp to send a payment to a merchant/individual for a moving service that promoted a 50 % discounted price for household items. The merchant/individual requested that I send {$890.00} through CashApp for their service, in which I sent the payment on XX/XX/2023. After sending the payment, the merchant/individual did not complete the service and upon asking for a refund, the merchant/individual blocked me from communication through XXXX and from their mobile number. I submitted a dispute on on XX/XX/2023 to get my funds back in which CashApp said it would take 10 business days to investigate the dispute on XX/XX/2023 CashApp denied my dispute and stated to call to receive supporting documentation of their findings upon calling, they did not provide support to base their decision and refused my supporting documentation that I was indeed scammed. I spoke to two representatives, the first representative hung up in my face and refused to let me speak to a manager, the second representative told me that they don't have supporting documentation of the decision but that the decision was made because I sent the money and they are unable to refund a transaction and to contact the merchant/individual to request the money back which I have attempted to do and no longer can do because they blocked me. The second representative sent a request for management to contact me and I have not received communication from the manager.
Consumer complaint received 2022-06-14
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. (MA)

In accordance with the Fair Credit reporting act 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 an account without my written instructions.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2022-10-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I sent a dispute letter to all 3 credit bureaus on XX/XX/2022, requesting for an inaccurate item to be removed from my report. I received a respond back from them after more than 30 days stating that after their investigation they found the item to be accurate. I would like for them to send me a report of their full investigation on how they found that account to be accurate. Please see below the account information i need to be removed from my report. 

Account Number : XXXX Account Name : XXXX XXXX XXXX It's Reported as a Charge off/ Collection.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (MS)

15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 15 U.S. Code 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1666b 12 CFR, 1026.13 - Billing Error - Late payments 15 U.S. Code 1681a ( 2 ) ( i ) : exclusions on transactions 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions : Please Update to Never Late ) 15 U.S. Code 1692e - False or misleading representations Violation of 15 U.S. Code 1635 right of rescission 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor
Consumer complaint received 2022-11-30
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. (OH)

An inquiry on my TransUnion account appeared at XXXX on XX/XX/2022 from XXXX ( XXXX  ). I contacted TransUnion and was told to notify the FTC and the organization that made the inquiry. I have notified the organization ( XXXX ) that this activity was fraudulent and was neither performed by or authorized by me. I did not apply for a XXXX XXXX. The company stated it can not cancel the application as it is pending. I have also requested confirmation that this will be removed from my credit report as it is fraudulent for which they do not seem to understand.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Never removed late payments. 
I recently recived a copy of my credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Your company is in clear Violation of the law, Under 15 USC s1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instruction to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC s1681 ( 2 ) ( s ) ( i ) Exclusions from a consumer credit report Clearly states.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments accounts from my consumer report, this agency is in violation of 15USCs1681.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I was renting a one-bedroom apartment from the XXXX at XXXX and XXXX XXXX  XXXX XX/XX/XXXX to XX/XX/XXXX. As I did not plan to resign from my apartment I notified the office of my intent to vacate after my lease. I filled out the required forms in XX/XX/XXXX. This was well in advance of the 60-day notice they require. I officially moved out on XX/XX/XXXX after paying every month on time. Roughly two months after moving out XXXX got in contact with me stating I owe them for XX/XX/XXXX - XX/XX/XXXX. This is completely inaccurate as you can see from the attached lease. The office is very unorganized and they had a significant turnover in management while I was there the notice forms submitted must have been lost or not communicated to the parent company XXXX. 

Recently the Collection agency " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' has been in contact with me regarding the balance that I owe which is {$2700.00}. This inaccurate debt collection has recently penalized my credit score bringing it down from XXXX to XXXX. I have attempted to work with Genesis on resolving this issue but they are reluctant to agree to a compromise. 

This owed amount is inaccurate and I am reporting it as it is damaging my credit report. I am reporting this to help resolve the issue on my end and report this corporate fraud taking place within the organization.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.