davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I have already filed a complaint with CFPB and have not received any results regarding experian. There is an account on my report that experian refuses to delete although the company is in violation of the FCRA. Experian is the only agency that continues to report this bogus debt while XXXX and XXXX deleted it from my profile. The complaint is against experian but the creditor is XXXX XXXX XXXX  XXXX. The amount of the debt they are attempting to collect is {$9200.00}. This debt is wrong and It is affecting my buying power for a new home. Experian will not allow me to dispute the debt again.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

This company is trying to XXXX charge me with XXXX {$35.00} overdraft fees from a transaction. That wasn't supposed to go through. And then because they took over a week for pending transactions, and tried to say that I didn't have enough to cover the transaction that I did when I transferred enough money to cover for the fee. 12 CFR 1005.17b ( f ). This is unacceptable and very unlawful and wrong. As long, as I have been a customer and I honestly don't think this is right!
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We have a Premier checking account and a XXXX credit card account at HSBC US as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the online bank account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the SMS sending the 2FA code to reach us. We escalated this problem over the past but it has not been corrected since. It has to be noted that before Covid-19 this was working well two years ago.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Midland funding To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (OH)

I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.
Consumer complaint received 2020-06-25
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. (CA)

Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, Trans Union, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been a long-time Customer of Bank of America ( i.e. greater than 20 years ) and have several checking and savings accounts with them. My credit rating is north of " 800 ''. On Friday, XX/XX/XXXX, I deposited a {$17000.00} check into my personal checking account via Bank of Americia 's Mobile Banking App on my SmartPhone. The check was from my Investment Account with XXXX XXXX. I had made other check deposits from the same XXXX XXXX account into this Bank of America account this year. Upon checking my account balance over that weekend ( i.e. XXXX XXXX ), I was informed via BoA 's web site / e-banking that a hold was placed on that {$17000.00} deposit until no later than XX/XX/XXXX. I have had this happen before, so was not surprised or concerned with this hold. In the past, as soon as the check cleared from the entity it was drawn upon, funds were credited and made available to the account. My complaint is that the check was presented to XXXX XXXX XXXX XXXX  on Monday, XX/XX/XXXX, which they promptly accepted/paid on the same day. In the day and age of electronic transactions, I was curious as to why Bank of America did not credit the funds to my account for another 8 calendar days from when it was accepted / paid by XXXX XXXX. In the past, the deposit was credited within one to two business days. I would like your organization to investigate this and enforce Bank of America to not hold Customer funds and gain interest on them for any time period longer than required to properly clear the check deposit. HOPEFULLY YOU AGREE THAT EIGHT CALENDAR DAYS IS EXCESSIVE FOR A US DOMESTIC BANK TO CREDIT AN ACCOUNT ONCE THE CHECK HAS CLEARED ANOTHER US DOMESTIC BANKING INSTITUTION FROM WHICH IT WAS DRAWN. My request is simply to have whoever oversees BoA from a state regulatory perspective investigate and determine if this practice is widespread and unfair to underlying BoA customers in terms of losing earned interest on their deposits.
Consumer complaint received 2023-03-03
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: National Credit Systems,Inc. (OH)

On XXXX XXXX,2020, National Credit Systems, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, National Credit Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IL)

I made a {$2200.00} payment on XX/XX/2022, which I asked to be applied to the principal only. According to the XX/XX/2022 statement, the ending balance was {$18000.00} ( {$1900.00} principal + {$210.00} interest ). The entire payment was not applied to the principal, however, there was no payment due as of XX/XX/2022. I went to the website, and on or about XX/XX/2022, it stated that I owed {$700.00} and it was 4 days late and that I owed a total of over {$1400.00}, that was going to have to be paid by XX/XX/2022. I immediately sent a payment of {$800.00} to XXXX, and according to my bank, it has not been received as of XX/XX/2022 ( not believable because it has been over a week since it has been sent by the bank in the form of a check ). 

I also made a {$700.00} payment on or about XX/XX/2022, and it has arrived and has been subtracted from the so-called total based on their calculations stating that I owe over {$20000.00}. I am confused. I am trying to pay my bills, however, it seems that XXXX is not giving me credit for payments made and they are charging me fees and interests, which is not making sense. I am a poor widow of a veteran who can barely make ends meet, however, XXXX it overcharging me based on my payment history.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2023-03-07
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. (PA)

New and updated information I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to Experian and XXXX on XXXX XXXX and every 30 days up until present XX/XX/2023. I asked the bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. The collection account is still reporting as OPEN but it's a COLLECTION and how can a collection be LATE 120 DAYS if it is a collection account with a PAST DUE amount. On Experian the account is listed as a collection account with a derogatory status and on XXXX it is listed as an open account Late 120 days with a pat due balance of {$680.00} This is proof that it was not properly investigated. This is a violation of ( 15 ) U.S. code 168i ( 5 ) by law any inaccurate information is to be removed immediately. 

Experian XXXX XXXX Account : XXXX Account type : Collection Payment status : Collection/ charge off Account Status : Derogatory Experian XXXX XXXX Account : XXXX Account type : Open Account Payment status : Late 120 Days Account Status : open Can someone please assist me with this matter Thank you.
Consumer complaint received 2022-09-16
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: ADIR INTERNATIONAL LLC (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX card from Bank of America was hacked and about XXXX was taken from gas stations several retail stores and ATM transactions. I had XXXX deposited in XX/XX/XXXX. I was not recieving monthly statements at first.. finally start receiving the Bank of America XXXX XX/XX/XXXX. This is when I notice charges from XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX  charges. I filed on that but then saw other transactions I did not authorize. 
i circled all transactions that was not authorised by me.One of the conversations from B of A employee said there was XXXX looking man taking {$1000.00} from ATM location on XXXX and XXXX XXXX XXXX XXXX.but still have not been credited. I have asked several times for photos from a trnsaction of {$4000.00} with a teller... but the time of transaction is not possible because bank closes at XXXX and it occurr.ed ay XXXX and posted at XXXX B of A sent letters to me stating there was fraudlent activity and closed my account and issued me 4 other cards over time but still fraud was happening. They will not credit back my account and have a feeling they are dragging out their legal obligations and are filing bankruptcy.I have spent hour and half every week for a year to no avail ... ... HELP
Consumer complaint received 2022-07-17
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)

There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.
Consumer complaint received 2019-04-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MO)

XXXX, XXXX XXXX from XXXX XXXX, XXXX, used my credit card information on XXXX for amounts of : {$42.00}, {$63.00}, {$300.00}, {$42.00}, {$63.00}
Consumer complaint received 2023-03-07
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. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-07-17
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. (NJ)

In accordance with the fair credit act XXXX XXXX XXXX # XXXX has violated my rights. 15u.s.c 1681 section 602 .A states I have the right to privacy. 15 u.s.c 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-03
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. (GA)

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have given you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I have not received any proof of the verification of these accounts. Please delete immediately.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXXXXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX XXXX Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2020-06-26
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. (TN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA