davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Last Updated XXXX, XXXX XXXX XXXX  Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Comments Account information disputed by consumer Account Information Disputed By Consumer
Consumer complaint received 2019-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019, I sent {$300.00} to someone through Bank Of America 's app using XXXX, to buy tickets for a comedy show. As soon as the user received the money, they blocked my phone number and did not send the online tickets. 

I immediately called my bank to cancel the transaction but they said that because the payment was authorized and completed, there was nothing that they could do. 

I've also reached out to XXXX directly, but they've told me that they don't cancel completed transactions.
Consumer complaint received 2019-05-07
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT REPORT.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charged off as bad debt Unpaid balance reported as a loss by XXXX XXXX Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Comments Account information disputed by consumer Account Information Disputed By Consumer
Consumer complaint received 2021-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXX XXXXn XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX  to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to XXXX XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11  months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/XXXX.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stone Creek Financial, Inc (OH)

I have a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I have a a unverified account from a XXXX XXXX XXXX XXXX, that came about from a Identity theft that I was unaware of from XX/XX/2004 from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX or STONE CREEK FINANCIAL INC, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that STONE CREEK FINANCIAL INC, XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

This is the 2nd time that I've filed a complaint against Experian and STILL I am not able to remove this fraud alert. I've submitted a written request with required documentation TWICE, first in XXXX and again 3 weeks ago and they STILL haven't remove this fraud alert. I submitted the required ID, ( DL & PP, even tho only one was required ). I also submitted 2 current pieces of mail. I sent the letter registered mail and received confirmation that they received it the very next day but they STILL haven't removed the fraud alert. Further, the website states that the fraud alert is a 7 year alert. Yet I've been getting denied credit since at least XXXX when I couldn't get an apartment in VA because they couldn't get the Experian credit report. That was EIGHT years ago. I've only ever had one instance of fraud and that was cleared up with the vendor itself, NOT Experian. Further, everytime someone requests my report and Experian wont ' release it, my credit score STILL drops on average 40 points and the vendor NEVER tries to contact me to verify identity even though they claim they do but the phone number and the email address is on the application and they never contact me. I called the XXXX phone number and that number is like circular XXXX. It only allows you to put a credit freeze on your report but does not give you any guidance on removing a fraud alert even though it alludes to fraud alerts. They wording changes from fraud to freeze but don't allow you to remove a alert, only place one. I'm exhausted in trying to deal with Experian. I've done what is required of me TWICE ( in XXXX and again 3 weeks ago ) and they still won't release/remove this freeze and it's killing my credit score which is probably why they refuse to remove it. I've attached a copy of the letter that I sent to them and it included my DL, passport, and 2 current bills WITH current address as well as extra information that they didn't ask for just  so there wouldn't be any issued in proving my identify and STILL NOTHING!!
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (NC)

Repeated phone calls : XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX ; XX/XX/2019 : XXXX, many more Ally Financial repeatedly calling to collect a debt that is not mine. They refuse to provide an explanation as to how they got my phone number. I never had nor currently have an an account with them. The actual account holder did not provide my number as a reference. They are likely using a listing company ( i.e. white pages ) to find any person that may or may not be associated with the account holder and repeatedly calling and harassing to get information for a debt collection.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under ( 15 ) USC 1681 Account name : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 than seven years.

15 U.S.C 1681 s-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 2021-09-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was frauded I am a Bank of America customer since XXXX and the one time its needed most BOA is not helping. I got a text on XX/XX/XXXX about a suspicious charge that was going to my account and I had to respond yes or no. As this was not me I responded No and I then went to call the bank. Of course it was a long hold and I opted for a call back and not but 2 minutes later I get a phone call from 1-800 BOA number. I was told the name of the person and they were a BOA representative and someone was trying to use my card at multiple places and I needed to move my money to a separate account. Which I believed and did as instructed and I found out later that this was an ongoing scam that BOA is aware of. I called that day to file claim talked to the most rude person I ever talked to with no sympathy as I am in tears freaking out. Well it was XXXX XXXX weekend so I have to wait till Tuesday to call Bank because of XXXX XXXX holiday and when I call they have the claims and they tell me I have to wait the 10 business days for temporary credit or resolution. Well today XX/XX/XXXX is the 10th business day and I wake up and no credit. I call BOA and they tell me basically sorry you sent the money and we did as instructed and we can not do anything but ask them to give money back. REALLY this is what I get when I am told don't worry we have your back and we will take care of you and that is what we are insured for and now I am without my money and because they decided that its my fault when their number is not secure and is calling their customers and able to fraud us! How is BOA such a huge bank able to be breached and leaving us with no help.
Consumer complaint received 2022-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Life Line Billing Systems, LLC (WI)

I was to receive a check from the government in XXXX, but found out it was intercepted. I called the number listed and was told it was due to this unresolved medical debt. I explained to the women I am on social security XXXX, that I am fully covered and my information was provided at the hospital. She told me that it was too late to refund me the money the state intercepted, and that she'd talk to her manager to see what they could do about applying my insurance so late after the fact. She told me she would call me back. I never heard back. I only see that the {$20.00} something payment was applied to the debt, and it's affecting my credit. This makes no sense when I have full coverage insurance!
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
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: Experian Information Solutions Inc. (FL)

Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX Visa credit card under account number XXXX-XXXX-XXXX-XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CO)

XXXX  insurance company sent me to collection for a bill that they claim I did not pay. I did not pay that bill because it was to pay in advance for the month. It came with an abusive increase just because I added XXXX more car to the account, when I added the car in the computer they told me that it would go up about XXXX dollars a month, I accepted and the payments would go to be XXXX each month, the receipt arrived and it was XXXX dollars, then I called and discovered that the following months the monthly fee increased to XXXX dollars. So I made the decision to change insurance companies where I paid {$440.00} for my car insurance. I want to make it clear that I was never late on my payments in 5 years working with this company and I never owed them any money. I have perfect credit and this is the only debt I have, not because I can't pay it. 
It is an abuse and neither the collection company or XXXX ever send me a detail month by month how this bill went up.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IL)

Regarding a XXXX American Express XXXX : I incurred a late charge. I requested a credit/grace due to my belief of having being a good customer. While this event does not happen regularly, most companies are willing to do this. The agent explained my spending behavior/amount didn't warrant a credit. A supervisor essentially said the same thing and that the " system '' wouldn't allow it. 

There were long pauses and I believe this was a tactic recommended to get customers to give up and hang up. I was told there was no customer retention or compliance department. 

I requested the account be closed. I was read a disclosure. A few weeks later, I received a promotional email. I logged in and learned the account remained open. 

I feel the act of not closing an account is a systemic problem whether it be performance metrics AMEX holds on customer service personnel or that leadership explicitly trains as tactics. I feel deceived as a customer. 

I believe the call took place on XX/XX/30 or XXXX.
Consumer complaint received 2023-08-10
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)

So, I receive an update from Experian regarding the inaccurate addresses they are reporting on my credit file. Mind you, I have sent Experian at least XXXX letters with my correct address, including my drivers license and a current utility bill, this company decides to delete my CORRECT address and leave the inaccurate address! At this point I think they are playing games with me. I have provide all required documentation as they requested and they still get it wrong. CFPB, Ive even sent in the same letter and documentation to you as well to forward to them! According to the FCRA Section 611 ( 5 ) ( A ) of the FCRA, it is required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified! I have sent in my current drivers license at least 3 times, I have sent in my current utility bills at least 3 times, I will not send it in again, now I feel as if money is owed to me. I feel Experian is putting me at risk for fraud/ identity theft because I have verbally spoke to agents at Experian as well as sent this dispute regarding my address in writing at least 3 times. The address they are reporting is inaccurate!! Its inaccurate!! I just dont know what to do at this point, my last resort is to seek advice from a consumer lawyer. ENOUGH is ENOUGH with Experian
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XX/XX/XXXX