davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (TX)

PLEASE NOTE THE LAST FOUR OF MY SSN IS XXXX. I WAS UNABLE TO LEAVE THIS IN THE SPACE PROVIDED LATER IN THIS FORM ( ON THE FOLLOWING PAGE : PROBABLY DUE TO A COMPUTER GLITCH. PLEASE INCLUDE THIS IN MY REPORT TO THE CREDIT BUREAUS I have tried contacting all 3 major credit bureaus. I wish to dispute all the credit inquiries for the month of XX/XX/2022. I was told repeatedly by ALL the bureaus phone reps, and mutiple sales reps that I could get quotes for car shopping etc without it harming my credit. It did indeed harm my credit and drastically so for that matter. I was not wanting or aware of what I was supposedly consenting to. I thought the dealerships were basically going to do a soft credit pull. I wasn't aware that we going to submit in such a way that I would end up with over 40 hard credit pulls! 

I spoke with a sales consultant that explained often most dealerships do not care and will essentially tell the customer whatever they want to hear. I feel that I was sincerely mislead. I have tried calling and submitting dispute online. The credit agencies have very POORLY trained employees, seemingly. They have also informed me several times that shopping around for a car ( so long as it's with the same time span ie 2 weeks, won't ding my credit ) my score dropped XXXX points solely because of this. 

I am a XXXX veteran with head injuries and other XXXX XXXX. I really don't appreciate what feels like happened. This seems and feels a bit reckless what happened. The dealerships could and should have better explained themselves. This credit bureaus also gave me false information. Insult to injury the actually seem almost hell-bent on not helping to resolve these matters. 

It seems credit monitoring via their sites and credit lock services are a cash cow for them. I think they are purposely making things more difficult and not being through with their investigations. Even though it's a multi-billion dollar industry, it seems that greed is still blinding ( at least some of the employees ) supervisors are people in the legal departments where very difficult to reach. 

The one person I was transferred to who was supposedly from the legal department seemed VERY ignorant on what all the FCRA laws were and didn't seem to really care at all and didn't seem interested to hear an explanation of the code and statues I was trying to site. 

There have been several other serious inaccuracies on my report. They are also not conducting proper and through investigations as per my request. For example 0 details given about who they independently re-verfied with, the information in dispute.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021 I was online shopping fir a puppy for my daughter when I came across this company called XXXX XXXX  that sells puppies I did the research on the company check the reviews everything seemed to be good. I reached out to the via email, someone called me we discussed the puppy type, and pricing. We also communicated via txt. I choose to get my daughter the standard yorkie which was {$850.00} plus {$100.00} travel fee for a lap Buddy someone to travel with the puppy. I sent the payment of {$950.00} via XXXX after they sent me a contract via e-mail never to receive the puppy reached out to them they kept saying puppy was in route. I called my bank but the couldnt stop payment because it was a XXXX transaction
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (FL)

Attention : Please help me with this matter. The information reported on my credit is not accurate. All 3 bureaus are reporting different information. I have sent letters to the credit bureau asking for an explanation but have not heard anything back. This matter was addressed over 30 days ago. Please help. I have sent follow up letters to each bureau.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (FL)

Several weeks ago I contacted the XXXX XXXX XXXX XXXX company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I do not have and am not liable with any debt with XXXX XXXXXX/XX/XXXXXXXX. I do not have any contract nor do I owe any debt to LVNV FUNDING LLC. Only the original creditor which is me can verify a debt and the debt is not mine. Not only that LVNV FUNDING LLC is in violation of the fdcpa. Here are the statutes that they are in violation of. 

1. 15usc1692d ( 1 ) utilzing the consumer reporting agencies to harm my reputation. By listing this collection on my report, they violated my reputation. 

Infringed on my right to privacy as the natural person by listing a collection on my report.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I XXXX XXXX entered into a consumer credit transaction with Capital One Bank USA NA on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Capital One Bank USA NA then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My MERRILL+ Visa Signature card was used to set the autopay, but I don't know why it doesn't apply this time, and BOA charges me {$0.00} interest on XX/XX/XXXX even though I paid the statement balance as soon as I notice this problem. I don't think I should be responsible for this interest charge since all my accounts have set up the auto-pay before.
Consumer complaint received 2022-12-28
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account, 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 an account without my written instructions
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

The debt in the amount of {$3500.00} is not a legitimate debt submitted by XXXX at XXXX XXXX with account number XXXX due to the Agree Order I received XXXX XX/XX/2022 in the County Court of Law, Number XXXX, XXXX XXXX, Texas.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-12-28
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)

according to the Fair Credit Reporting ACT, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-09-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (GA)

I lost rime do to cov XXXX and got behand on my payments and have been trying to work something out with them so i made a payment of {$250.00} on XX/XX/2022 the told me that it whould keep it from going to collactions so they then then harassed me saying if i did not make another payment my account will go to collaction so on XXXX i set up a payment with my debit card for the amount of {$290.00} to keep my account from going to collactions then then refused my payment then send my account to collactions and broke the agreement we made.
Consumer complaint received 2021-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK (OR)

I defaulted on a HELOC In XX/XX/XXXX. The account was charged-off in XX/XX/XXXX. My last payment on the account was XX/XX/XXXX. Since that time I have attempted 4 times to settle this account. Each time I was denied. The statute of limitations In California for a written contract is 6 year has now expired. I called the bank on XX/XX/XXXX And spoke to a customer service representative at approximately XXXX XXXX. I was informed that the statute of limitations has run out and they were unable to collect the money. I requested my account number which after being transferred for 4 times the account number was provided. This statement was from XXXX. I was provided a copy of the bill.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

My husband and I have a joint account with Ally Bank. Recently there were unauthorized transactions ( we never lost the debit cards and they are still in our possession ) and we lost about {$1700.00} due to a data leak on the bank 's end. We want Ally bank to return our money immediately. 

My husband and I have been Ally bank customers for a long time. We each have a debit card for the joint checking account and we have the Ally bank app in each of our phones, which we use to manage the debit card. We have taken multiple steps on the App to make sure we are securing our account. 

1 ) The app has a manage debit card option, which we use to lock the debit cards. We only unlock them when we are at the ATM to get money and then we lock it again immediately. At the time the unauthorized transactions took place, the cards were locked. 

2 ) Additionally, the app has a feature where it says when unlocked what kind of transactions are permitted. Using this feature we authorized the card to be used only as an ATM card. However, even with this safety measures from our side, our debit card was charged XXXX times on XX/XX/XXXX ( Thu ) Evening. 

3 ) Also we had setup alerts to notify ( text and email ) us with transaction over {$0.00} Our debit cards were charged 7 times on the evening of XX/XX/XXXX. We did get text and email alerts. We immediately called the fraud line by using the automated option we indicated that these are not authorized transactions. The fraud line did not have a live person at the time so we called the Ally bank customer service. The wait was over an hour long ( The customer service agent did communicate to us that they are getting similar calls a lot which is causing the long wait ). The chat option from the bank said the wait time is over 4 hours. In the meantime my husband send an email ( via their website by logging into our Ally bank account ) that these are not authorized transactions and should not be processed. When we finally got to talk to the agent, they told us that they can not dispute the transactions until they formally post in the account ( at the time they said it was pending status, however the available amount in our account was reduced to account for those XXXX transactions about ~ {$1700.00} ). As of today ( XX/XX/XXXX ) those fraudulent transactions have posted in our account. We called them back at least 2 more times and spent additional 3 hours waiting in line for Ally Bank customer service, but we were able to formally dispute those transactions. Ally Bank is still not committing to refund our money and we want them to refund our money immediately.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

Convergent Outsourcing sent a collection notice and refuses to validate, got a name that is similar, hence its a fraudulent attempt to collect a debt now owed, furthermore on XX/XX/16 XXXX out of XXXX NY sent a collection letter under reference XXXX which was disputed for the same account and balance in question, XXXX was unable to validate the debt, and also because of identity fraud. They went ahead and closed the file, which XXXXConvergent now is attempting to collect. 

The agent at Convergent made threats.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Credit card account with Bank of America Account number XXXX XXXX XXXX XXXX was closed in XX/XX/2021, with a credit balance of - {$5000.00} BofA stated at closure that the overpayment funds would be sent to me within a week. I did not receive them. I called again and was told that for some reason it was not processed, but would be now and would be paid by transfer to my checking account for which I provided routing and account numbers. I made a third request. 

STILL NO REFUND. 

One month of trying to recover funds for overpayment of account, which is closed.
Consumer complaint received 2022-12-28
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. (FL)

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX XXXX XXXXXXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given
Consumer complaint received 2020-08-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc. (OH)

Company has not contacted me for over 2 years regarding this debt. They called from an unknown number threatening to send police and contact my supervisor at work to find my location. Proceeded to contact family members and ask if I live there and stating they would send police to verify if I didn't contact them. I called as soon as I could. They proceeded to put me on a payment plan that is above my means currently but I agreed so they would not continue to harass me or my family. They did not give their name or any information other than the phone number and case number. I do not have anything in writing to confirm the payment agreement.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (CA)

I sent a request for INNOVIS to FREEZE my credit report and they sent me a mail for 3 different Case # to send in a copy of my ID and Proof of address. I feel this is a delay tactic to honor my request to FREEZE my credit report for INNOVIS. | ( 1 ) Case # XXXX| ( 2 ) Case # XXXX| ( 3 ) Case # XXXX __ | See attached document
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (TX)

I am distressed that I am having to file a complaint since my consumer rights have clearly been violated! I have sent a total of 5 Letters regarding negative remarks on my credit profile ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and nothing has been updated. Please note I have provided ample time to rectify this matter. Both XXXX XXXX XXXX and XXXX XXXX XXXXS are clearly reporting on my Credit profile incorrectly. How does this account meet FCRA requirements when the dates for the last activity is different for every credit bureau that was falsely verified therefore needs to be removed immediately because you are reporting fraudulent information. Please note, The reporting of these accounts violates USC 15 1681 ( 2 ) i. It has been well over 60 days and the accounts are impacting my credit profile. I received a letter showing " verified '' when clearly nothing was verified! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition, before you start, Absolutely nothing in my letter could reasonably give rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

in XX/XX/XXXX I applied to Amerisave Mortgage for refinancing my real estate properties. They took my applications, charged me fees, completed professional appraisals and indicated there was no issue and they can fund the new loans. From XX/XX/XXXX to XX/XX/XXXX they kept asking for documents after documents and dragged on the process with one unfulfilled promise after another!. Although I provided all documentation they asked for, in XX/XX/XXXX they tell they can not close the loans. I went with another lender and they had no problem with refinancing loan. Amerisave lied and collected fees from me without delivering what they promised. I want my money back and file a complaint against improper practices by Amerisave.
Consumer complaint received 2022-08-28
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: CITIBANK, N.A. (CA)

I opened a credit card with XXXX XXXX as the sales person offered a discount to do so. The charge was only {$35.00}! I had moved due to an environmental issue with our home and had mail forwarding but never received the bill to pay. I tried to pay but the account was closed due to late charges which I had never seen! I had contacted XXXX XXXX several times to pay the account off but told it was closed. I am very upset about this as it has severely affected my perfect credit score! This is the only XXXX mark on it! How terrible XXXX XXXX Citibank is! I now want a home loan and have to pay a higher interest rate because of this XXXX account! I would have gladly not opened the card if I had known how XXXX XXXX Citibank does this to people. Come to find out this is not the only case! People not receiving their statements and credit scores being affected! I am done with XXXX XXXX and Citibank. They need to be investigated!
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account