davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-03-01
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: Consumer Adjustment Company Incorporated (OH)

Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my XXXX  credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXX XXXX. 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at XXXX and remove this so-called debt from my account with your company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (MI)

Opploans/XXXX  has reported that the account was written off on my credit report. I was not sent a 1099c. If the account was written off to the IRS than the company was reimbursed. Therefore this is now personal income to me. Account XXXX XXXX @ was charged off on my credit report. If the item is not yet charged off than remove this item from my credit report. If Opploans/ XXXX fails to remove this from my credit file, Opploans XXXX is creating an act of fraud and should investigated.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My BofA Visa card had fraudulent activity which included fraudulent payments made via phone payment to my account ( totaling close to $ XXXX ). I called BofA to alert them of the fraud and they reversed the payments. When the fraudulent payments didnt go thru, they returned the payments a second time. All returned payments were sent to the fraudulent account at XXXX XXXX. This activity occurred in XXXX of 2022, and since then Ive tried to resolve this matter on my own with no success. BofA closed the card due to the fraudulent activity, even tho Ive had the card without issue for 10+years ). I currently have a balance on my card with the amount of the returned payments ( which doesnt belong to me ). Since Ive had no luck resolving, and I refuse to pay as the balance is not mine, the amount is growing due to finance charges and late fees. Additionally, my credit score is being adversely impacted. Every time I call BofA, I spend hours on the phone being transferred back and forth between fraud and customer service departments because no one knows how to handle this BANKING ERROR, which is what this is now.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

There were many incorrect information on the account, I filed a dispute with the company but they didn't stop collection action after my dispute. Its not allowed be any false information on the report, even it's {$0.00}. They ignored my dispute and file collection to my credit report qith false information its against the fair credit law.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (AZ)

On XX/XX/XXXX, I made a {$7000.00} purchase at XXXX XXXX XXXX and was offered a 0 % interest to XX/XX/XXXX store card through Comenity Bank. 

- on XX/XX/XXXX, I paid the card in full in the amount of {$5900.00}. I miscalculated and the amount was overpaid by {$200.00}. 
- on the XXXX statement, the overpayment was shown and it indicated the {$200.00} would be refunded within 30 days. 
- on the XXXX statement, a Fraudulent charge of {$120.00} on XX/XX/XXXX showed up, a charge I did NOT make. 
- I immediately called in and was told that the charge was erroneous due to them changing over a billing system and that it will be reversed and refunded. I also asked to close the card, but the representative asked me to wait until the refund has been issued before closing the card. 
- It is now XXXX and I still have not received a refund and see that Comenity is still reporting the account open with a balance due on my current credit report. 
- I called in early XXXX to inquired again about the charge and refund on was told they sent it and will send it again. 
- Today, XX/XX/XXXX I again called in regarding the Fraudulent charge and was told by a representative named XXXX that my account was closed as of XX/XX/XXXX. I asked her about the fraudulent charge and refund, she THREATENED me that IF she were to open an investigation that I will be responsible for the charge and will OWE Comenity an additional {$120.00} since the account is closed. An amount that Comenity NEVER returned to me in the first place, but I will have to OWE THEM additional? 

*Comenity has a Secured Messaging board, however after you are done composing your message and attempt to submit it, an error message appears asking you to try again at a later time. 

Comenity is a dishonest credit issuer. They should better train their employees to properly review transactions and respond to customers OR place a better system so that FRAUDULENT/BOGUS charges just don't " show up '' on consumer accounts. 

At this time I just want Comenity to properly issue my refund and accurately report to the credit bureaus that my account is PAID IN FULL, ON TIME AND CLOSED. That seems too much to ask for of this bank. This has been the most frustrating experience I have had with a bank thus far.
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (NY)

I purchased a piece of exercise equipment in XX/XX/2019. The terms were 0 % APR for 36 months. My payment should have been {$67.00} per month. I received my first statement for this account and it showed a second charge for {$880.00}, which was on an 18 month deferred interest plan. The payment required was {$99.00}. I contacted the company to dispute this charge and was told that it was a " system glitch '' and that it would be corrected. When the next statement came ( because you can not view the APR information on their website ) it showed that the principal balance of {$880.00} had been refunded, but they refunded it against the 0 % APR for 36 month portion instead of the 18 month deferred interest portion as they should have. This 18 month deferred interest requires a minimum payment of {$25.00} and the 0 % APR for 36 months has its own minimum payment. I contacted the company again and they said it would be fixed. I spoke with supervisors, waited on hold, and spent hours on the phone with icon fitness and TD bank. They each blamed the other for the issue, promised it would be fixed, and never fixed it. I filed disputes through their website in XXXX and XXXX with no resolution. By XXXX another statement came showing it was still incorrect, so I filed a complaint with the XXXX XXXX XXXX. 

Through the XXXX XXXX XXXX XXXX TD Bank promised to correct the error and reassured that my next statement would be correct. XXXX was still incorrect. I updated the complaint and they 'escalated ' it and it really would be correct by my next statement. I just received the statement for XXXX 's payment and it is still incorrect. Now, instead of one balance at 36 months deferred interest, I have two balances. This is keeping my payment inflated by {$25.00} per month. When I purchased the equipment I agreed to {$67.00} per month. By this time, they have been overcharging me for 7 months and seem incapable of making a resolution. I have updated the complaint with the XXXX XXXX XXXX, filed a complaint through my credit report and now with CFPB. This has been the most frustrating experience I have ever had to deal with from a professional company.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

In XXXX  I started a short sale process with Wells Fargo, because the value of my home was less than I owed, and I had become married, and had XXXX children and needed to leave my small one bedroom apartment. 

Unfortunately, I had persistent capacity problems with Wells Fargo for two years, which was awful. 

I went into the process of a short sale with Wells Fargo, after having my house on the market for 18 months with zero offers, I decided to pursue a short sale. 

However, after two years in the short sale process with Wells fargo, I was appalled at Wells Fargo 's improper handling of my case. There was constant turnover with regard to who was handling my property, every time we seemed to have movement, the person responsible for my case transitioned, and I had to start over. I received incredibly absurd requests in the processing of documents for Wells Fargo, for things like making my signature darker, or having a signed letter on company letterhead as to why my two pay periods a month are not always on consistent days. This incompetence led to three offers ( for within hundreds of the entire amount of my loan with Wells Fargo ) falling through. 

I had a short sale realtor, and a short sale attorney and was still paying my HOAs so the property remained in good condition. All of my paperwork was in place, and there was an offer for three months ), and Wells Fargo was unresponsive. 

I enlisted managers and others to be involved, and I kept copious notes on process. I finally received an ok to proceed, almost three years after the process initiated, all the while still paying an attorney and HOAs. 

I believe I should be a part of the settlement identified here : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX But I have not been contacted by Wells Fargo despite outreach .
Consumer complaint received 2022-06-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX account # XXXX have 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 2023-03-02
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 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 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 2023-03-02
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: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX. Despite sending them a debt validation letter requesting proof of the debt on XXXX they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.
Consumer complaint received 2023-03-02
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: General Motors Financial Company, Inc. (ME)

Americredit Financial DBA GM Financial commit a fraud by reporting a debt that I did not sign with them. They Should stop reporting their name and account in my credit report I don't owe GM Financial anything. As a XXXX individual with long History of XXXX, and XXXX, not to mention my race, and age. I would like to ask GM Financial to stop using my credit for their own benefit. And stop violation of my privacy. I am XXXXXXXX XXXX father XXXX  and GM Financial can not take advantage of my country of origin to violate my civil rights and human rights. This harassment and persecution have to stop. My credit is taking an enormous toll.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (NV)

I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Experian doesn't wish to allow me to exercise that right. I have mailed my dispute to them and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from XXXX.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (NV)

I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-02-27
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. (TX)

I have been dealing with ID theft for some time now! It has become extremely difficult to work with the credit bureaus when disputing things. The account that I am about to list is another one that has pop on my credit file that does not belong to me. 

Please see account reporting on my Experian file XXXX XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (GA)

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, Experian, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including Experian, XXXX, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Consumer complaint received 2023-02-27
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. (LA)

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. 

They have violated my rights. 

Account name : # XXXX Acct XXXX XXXX Account name : # XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXX  Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct 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 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 2023-02-27
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name