davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Life Line Billing Systems, LLC (WI)

XXXX trying to collect a debt that the day I originally occurred the debt is past the 6 year statue of limitations and it is still negativily impacting my credit. I believe it's manupilative business practices which they should be held accountable. The account is duplicated on my credit I believe driving my collections up to negatively impact my score.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have spoken with the company on numerous occasions asking them to update my current address and each time I hang up from the different reps, I am told to wait 24 hours for the changes to take effect. It has been several days since my dispute and the incorrect address is still showing on my report ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  I do not live at this address and there are no legal ties for me to this address. I do not receive any mail at this address, nor do I have any legal rights to this address. Please remove this address.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have tried to block XXXX from putting charges on my Capital One credit card. The merchant does not have authorization and yet they continue to hit my credit card with over {$300.00} charges monthly. The XXXX contract is in open dispute and they do NOT have authorization to charge my credit card.
Consumer complaint received 2021-01-23
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: EQUIFAX, INC. (TN)

I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX XXXX as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX XXXX regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.
Consumer complaint received 2018-12-13
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX , XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (NY)

I opened credit card account with BMO Harris bank in beginning of XX/XX/2022. XX/XX/XXXX, this year {$99.00} were returned back to my card as returned merchandise. 
But this company stole my money, they not reflected in any statements, neither current balance. ( Today is XXXX ) Help me get back my money please.
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I sent using XXXX XXXX to a person for a personal matter, since the money was never available immediately, I took care and sent money using a different app BUT the original XXXX that I sent using XXXX by capital one until this day the payment status says sent and not delivered. The person never recieve the money and the money was deducted right away from my account. I place a claim with capital one bank and all they said was the claim was denied because there was no error in the transaction besides the fact that I don't have the money and the person never recieve it? Really? They gave me XXXX  phone number and told me to contact them. They know very well cause I most not be the first person with this type of issues that there's not such a thing like XXXX customer service, that number all it says to contact your bank if any issues. This is outrageous!
Consumer complaint received 2021-07-02
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

Over thirty days ago, I wrote to each credit reporting agency XXXX XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MO)

Hi, Back in XX/XX/2020 I opened a Checking account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could do it so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I'm living in XXXX and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me. I called a couple of more times and they didnt care about the travel restrictions going from XXXX to USA telling me the only option is to visit a branch. A year has passed and travel restrictions are still in place for non essential travel and the bank is refusing to give my money back. I have lost almost a full year of interest or any other gain I could get because the money is in suspense and since the account is closed I have not the certainty my money is safe. There has to be a way the bank can help me here in XXXX so I this issue can be solved
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

CFPB Template On XXXX XXXXXXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

1-Provide Accounting of Ghost/Floating Balance Placed on my Account in XX/XX/2019. 
2-Provide Accounting, Identify Balance of Ghost/Floating Balance Each Month since XX/XX/2019. Indicate the amount of payment applied to Ghost/Balance Applied since XX/XX/2019. 
3-Explain why Discover doesn't identify Ghost/Floating Balance on the last 24 statements in the " Interest Charge Calculations '' 4-Provide ACCOUNTING of specifically how much of the last 24 payments were applied to the Ghost/Floating Balance. 
5-Explain why Discover does not identify the Ghost/Floating Balance in the " INTEREST Charge Calculations '' as I'm being blindsided by Discover NOT providing any accounting in the last 24 months of statements. 
6-Provide Disclosures, Terms and COnditions for the actions you took without my permission.

7-You applied a balance to my account without providing disclosure, transparency and terms and conditions. I have made 50+ inquiries and DISCOVER provides information that I already have.

8-Provide a ledger of accounting for the last 24 months of the actual accounting of the ghost/floating balance and the payments applied to the ghost/floating balance Discover unilaterally created without my understanding, permission and consent. 
9-Explain why DISCOVER is hiding the numbers and the monthly accounting of the GHOST/Floating Balance on my account. I want a monthly accounting for the last 24 months of the money YOU WILL NOT IDENTIFY ON MY STATEMENT, it is only identified in a general balance.

Discover is acting COVERT in applying a GHOST/Floating Balance without providing me the accounting of the monies. You provided general information and HAVE NOT ADDRESSED THE ISSUE of the accounting of the ghost/floating balance, terms, conditions, consent. WHAT IS THE INTEREST RATE of the GHOST FLOATING BALANCE, IDENTIFY it on my monthly statement. I WANT FULL TRANSPARENCY and ACCOUNTING in ledger with terms and conditions. I DID NOT CONSENT TO WHAT OCCURRED. YOU TOOK THE MISTAKE OF YOUR EMPLOYEES AND MADE IT MY PROBLEM AND DISAPPEARED IN PROVIDING ME THE TERMS, CONDITIONS AND INTEREST RATE OF THE BALANCE YOU APPLIED TO MY ACCOUNT UNILATERALLY.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 at approx. XXXX XXXX  I received a text from a supposing Bank of America representative asking me if I attempted a {$3500.00} XXXX XXXX XXXX? 
Reply YES or No # XXXX. I replied no and then received a call back from a supposingly B of A rep who then explained to me that my account was compromised and that we will need to transfer the money through XXXX to another account to keep the money from being transfered. He instructed me on how to make the transfer to ( XXXX ) XXXX and that B of A would then credit back your account later i the afternoon and that a B of A rep would call me back and let me know that the money was safely back in your checking and savings accounts. A total of {$1900.00} was transfered from my checking account and {$300.00} from my savings account. I called B of A at approx.XXXX XXXX  to tell them that I think I was scammed, they took a report and said that they will send me an email on the results of there investigation. I filed a report to the XXXX XXXX XXXX XXXX and also with the XXXX, FL police dept since the money was transferred to a phone number in that area. I received a letter from B of A on XX/XX/XXXX saying that they were unable to approve my claim.I
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OH)

I suffered a total loss on a vehicle. TD Auto told me my balance once my primary insurance paid them would be covered by GAP. I asked if I needed to do anything else and was told no. Only to find out somehow the GAP was denied and now my credit report is showing Im delinquent for a year on a car that at the start of that year was not a factor because it had been totaled out and paid by insurance.
Consumer complaint received 2022-09-26
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-21
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. (MI)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TN)

I'm writing to complain about Synchrony Banks ' 15 day hold on balance payments. 

On XX/XX/year> my balance on the Synchrony PayPal Cashback World Mastercard was paid in full via Automatic payment from my credit union account. On XX/XX/year>, Synchrony emailed me saying, " Your payment for your PayPal Cashback World Mastercard has been applied to your balance. '' On XX/XX/year>, a payment to a vendor was declined because " the available amount ' on account was only {$310.00}, despite having made a {$9600.00} payment that they had " applied to '' my balance 12 days earlier. 

I then called on XX/XX/year>, Synchrony at XXXX, spoke to a representative named XXXX XXXX on a recorded line ), who informed me that there was a " 15 day hold on payments made on your account balance '' and that my balance actually wouldn't be credited with my payment until XX/XX/year>. 

My complaint is that in this day & age, a 15 day hold period on funds that have been withdrawn from my financial institution, and that I've been told were " applied to your balance, '' is an unreasonable amount of time that, in turn, limits the amount of my credit line that is allegedly available to me to make purchases. 

There shouldn't be more than a 2-3 day hold when payments are made to Synchrony directly from financial institutions via Electronic Funds Transfers .
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OH)

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 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

In XX/XX/XXXX my loan service stated that I would need to show proof of homeowner liability insurance. I provide this proof through my associations master policy which covers the rebuilding of my home interior and exterior. The servicer placed forced coverage inspite of my writting request not to do so. I had no knowledge of what type of coverage was place, what it covered and the cost was not know until XXXX, when they made the same demands again. Cost was over 10X the  cost of a normal H06 policy. 

I have lived at this residence since XXXX. XXXX XXXX was our loan servicer and not once did they require a personal home liability policy. The homeowners association also has never made such a requiremnent. I understand that this practice is illegal in New York State. he cost of the illegal policy was close to {$5000.00}. A normal consumer home liability policy ( of which I recently purchased ) cost less then {$600.00} per year. The placement of the forced insurance has had severe impact on my ability to pay my monthly mortgage. This annual insurance premium was taken out of my escrow monies which placed me in a negative balance.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (NV)

I bought XXXX XXXX from Carmax in XX/XX/2022 for {$22000.00}. XX/XX/2022 someone collided with me in traffic and caused {$34000.00} in damages and the car was totaled by XXXX XXXX. During the time of settlement on this claim Carmax noted two late payments on my credit report. Since they were paid in full in less than five months of financing said vehicle the need to place late payments on this account was unnecessary cruel and has caused and continues to cause undue harm to my ability to finance another vehicle.
Consumer complaint received 2022-04-06
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. (NJ)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NC)

I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018 I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.