davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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)

I have never had a relationship with XXXXXXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I paid off the balance of {$350.00} on my XXXX credit card two days before the due date. On XX/XX/XXXX they charged me {$6.00} interest on purchases when my balance was XXXX. Then on XX/XX/XXXX they charged me a late fee of {$6.00}. On XX/XX/XXXX they charged me a minimum interest charge of {$2.00}. I called and asked why the charges on a zero balance account and they said they would refund the charges. however, they only refunded the two latest charges totaling {$8.00}. They did not refund the first charge of {$6.00}. On XX/XX/XXXX they charged me a late fee of {$14.00}. On XX/XX/XXXX another minimum interest charge of {$2.00}. Then on XX/XX/XXXX my repeat order was charged to my account in the amounts of {$25.00} and {$5.00}. On XX/XX/XXXX a late fee of {$22.00} was charged to my account and a minimum interest fee of {$2.00} was charged on XX/XX/XXXX. On XX/XX/XXXX I sent a secure message to them asking to have the charges removed. They refused. On XX/XX/XXXX I again sent a secure message to them asking that all the charges be removed. They refused again. On XX/XX/XXXX a late fee {$35.00} was charged because I did not make my payment on time due to a death in the family. Interest of {$2.00} was charged on XX/XX/XXXX. I made a payment of {$31.00} on XX/XX/XXXX which was the amount of my purchases. On XX/XX/XXXX a late fee of {$40.00} was charged to my account as well as an interest fee of {$2.00} on XX/XX/XXXX. On XX/XX/XXXX a late fee of {$35.00} was charged as well as {$3.00} interest on XX/XX/XXXX. 
On XX/XX/XXXX, I called Comenity Bank and spoke with a representative who told me he would refund all the late fees but the {$40.00} and that I would also have to pay all the interest charges totaling another {$15.00}. I was asking him why when the call was disconnected on his end. I made a payment online for the {$40.00} late fee and the one interest charge for {$2.00}. I should have only paid the {$35.00} late fee instead. Then I called back and spoke with a different representative who put me on hold twice and then told me after talking to a supervisor she would refund the two late fees totaling {$75.00} and that I would have to pay {$90.00} remaining balance. Again I told her I did not owe that because they made the error back in XXXX and refused to fix it. I asked that all the late fees and interest charges except the one I paid be removed from my account and that all the derogatory information they sent to the credit bureaus be removed also or I would file a complaint with the government. She refused and maintained I owed her {$90.00}.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I'm a full time college student looking to save money to take my XXXX tests to apply to medical next year. An individual with the email XXXX sent an email to my school email address requesting a dog sitter for her aunt who was supposedly moving down from XXXX for a new job. The " aunt '' name was XXXX XXXX XXXX email : XXXX number : XXXX ). She sent pictures of the dogs and shared her entire situation ( see attached screenshots XXXX. This XXXX then said that because they had not settled in her new apartment, that she would send me a check to purchase supplies for the dogs and my first week 's pay. I then received a check from her supposed financial clerk from the email XXXX. The check was for {$3900.00}, the company on the check was XXXX XXXX XXXX in XXXX, GA and the bank on the check was XXXX XXXX, NA. I deposited in my account on XX/XX/2021. The check was posted on XX/XX/2021. I called my bank to confirm whether or not the funds were received from the other institution, and I was told that it was. Obviously the banker mistook my question for whether or not the funds were available ( considering they make funds available before money is received ). XXXX then told me send money to the number XXXX XXXX XXXX XXXX XXXX, and after that didn't work, she told me to XXXX {$1000.00} 3x to XXXX, however, only 2 of the 3 transaction went through ( the conformation numbers for the two transactions XXXX & XXXX XXXX. After the 3rd transaction didn't go through, she asked that I send it in bitcoin on XXXX. I then reached out to Bank of America to report the scam and they cancelled the third XXXX transaction because it hadn't completely processed. Unfortunately the first two went through. The bank associate said that she opened a case outlining the fraud ( case # : XXXX ) but I don't see anywhere on the online bank account for me to see the status of this case and BOA already reversed the fraudulent check. Now, the money I was going to use to buy my XXXX prep supplies is gone. The only other info I have is that the phone number associated with XXXX actually ends in XXXX and not any of the other numbers that contacted me at any point.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

Dear XXXX XXXX ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-08-03
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. (GA)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
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. (CT)

AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX  ACCOUNT 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
Consumer complaint received 2020-12-02
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)

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE INQUIRIES ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-07-24
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. (MN)

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (MA)

I have a balance of XXXX in Google Pay Wallet  Balance ( Payments Profile id : XXXX ). Google discontinued the product in XX/XX/year>. I have been unable to access, withdraw, or send the money in the account as a result. I have a linked bank account ending in XXXX and XXXX, as verified through wallet.google.com. I am unable to transfer my remaining funds to either of those accounts. I contacted Google regarding the issue in XXXXXXXX XXXX XXXX XXXXXXXX ] but still have not been able to access the funds.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had a reduction in pay at the beginning of XX/XX/XXXX. I contacted Capital One and told them of my hardship and asked for assistance with lowering the interest rate to reduce my payment. I was told the only thing they could do is allow me to skip a payment. I called again in the middle of XXXX and again, received no help. At the end of XXXX, I was laid off. I called Capital One, informing them of my job loss and once again asked for a reduction in the interest rate and was told they couldn't help me. Unfortunately, I was not able to make my payment that was due on XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with a representative who advised me that Capital One does not offer a hardship program. I should contact a debt consulting company to negotiate on my behalf. I said that was ridiculous, I am the consumer. I have been with Capital One for years and never missed a payment. I also advised her that the other credit card companies I contacted within minutes helped me to lower my payments. The representative told me that I would get a call from a manager ; however, I never received a call. I find it disturbing that Capital One refuses to help me and eventually, I will not be able to make my payment and the first time in my life my credit will be destroyed.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (WI)

On XX/XX/2022, I received an email from Genesis FS card services offering a settlement option to pay my card off and close the account. I was given until XX/XX/XXXX to accept the offer. On XX/XX/2022, I called and paid the amount of the settlement offer. 

On XX/XX/2022, I received an email stating that I had a payment due. I proceeded to attempt to log into the account ( which should have been closed ) and found that the account was still open, was continuing to gain interest, and was showing that a payment of {$120.00} was overdue. 

I called the company on XX/XX/2022, they stated that it takes time for a settlement to be reported to the credit bureaus and that they last reported on XX/XX/XXXX, but did not report it as settled. They stated that the account was closed, but refused to explain why I was still able to log into the account that shows it being open with interest still accruing. 

This account is currently continuing to build interest and being reported negatively to my credit report.
Consumer complaint received 2023-06-22
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. (SC)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2021-05-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: OneMain Finance Corporation (CA)

I have a second mortgage that is over 10yrs old the mortgage company I initially signed papers with in XXXX charged off the account after I fell behind on payments in XXXX. However, before I fell behind I requested to refinance the loan an application was taken my home was appraised and the company known as Springleaf Financial who did a name change to Anerican General Financial Services then. The company results of my Refinance application was Denied I was told because I didnt meet Demographics I always felt I was discriminated against but did not know how to fight it .... Fast forward another company XXXX XXXX XXXX  have bought the loan and is talking foreclosure. My question is can I fight this loan based on I felt I was discriminated against when I requested to Refi the loan in XXXX for a more Affordable payment and was told I didnt qualify because of Demographics ( What does this disqualification mean ). Although in the same year I refinanced my Primary Loan and it was approved. The second mortgage loan was for {$26000.00} at XXXX monthly. This company who bought the loan after charge off XXXX XXXX XXXX  state I owe them {$60000.00}. Is this legal. Thank you in advance for your assistance.
Consumer complaint received 2021-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Claim to have no payments in 2020 I receive statements from two different companies. 
Escrow depleted without proper billing Increased insurance amount without authorization. 
There is another person on my loan docs but not the loan and it's not authorized Privacy breach Excessive billing tactics during automatic stay. 
Billing statements don't match what was mailed between both companies Billing doesn't match credit filling Company filed negatively during diferment which kept me from getting a lower interest rate. 
This company violates all kinds of federal laws
Consumer complaint received 2023-02-17
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. (CA)

Ive recently went over my credit report and I noticed that there are late payments reporting on XXXX, TransUnion, & XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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. They are in clear violation