davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 Without authorization and or permission Capital One credit services withdrew {$0.00} from a XXXX XXXX account. On XX/XX/2021 {$480.00} was withdrawn, and on XX/XX/2021 another {$1.00}. All without authorization and or permission. During the month of XX/XX/2021, repeated attempts to withdraw more monies were made by Capital One Credit card services. Resulting in my card being suspended for fraudulent activity. I waited before contacting the company to see if a reversal of the monies would be returned to my account since I didn't give authorization for the withdrawal of monies from my account. The card company has since closed the previous card, issued a new card, and launched an investigation.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One placed a restriction on my credit card because I made a {$300.00} payment on XX/XX/2021 for a balance of {$370.00} ( the balance increased to {$380.00} overnight on XX/XX/2021 ), they want to verify that I am the primary account holder on my checking account with XXXX XXXX XXXX XXXX XXXX, I am the only account holder on my checking account. Capital One decided to flag my account because I have been paying off the balance entirely since I received a payment of Life Insurance money after my mother died. I am trying to boost my credit by using my credit card instead of my debit card. The Capital One Representative called my bank and asked me to enter my identifying information so that they could speak with a representative of XXXX which I do believe is not legal, also my bank will not speak to me if there is a 3rd party on the line.
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-09-22
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. (NY)

Earlier today I submitted a complaint against Experian and included XXXX. There is only enough space to upload so many documents. 
This complaint is against XXXX and I will include Experian but will be uploading evidence from XXXX. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of XXXX  XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by XXXX today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX  XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. XXXX only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called the number listed on Citizens Bank web site as a customer service number to call if you want to close your account. I told them I want my account closed. They said okay. I received emails asking for customer satisfaction after each call. Calls were recorded by the bank I believe. Bank did not close my account. They charged me monthly fees on XX/XX/XXXX and XX/XX/XXXX and now my account is overdrawn.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update
Consumer complaint received 2021-09-23
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. (LA)

There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.
Consumer complaint received 2021-09-22
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. (MI)

I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.
Consumer complaint received 2023-06-23
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. (SC)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX  XXXX Balance : {$2400.00}, ONEMAIN XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-22
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. (MI)

I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.
Consumer complaint received 2023-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/2020 cavalry portfolio service opened a collection. 
Account number XXXX {$6800.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company Please have this removed from all credit reporting agencies this includes XXXX XXXX, XXXX, XXXX, & XXXX. 

This is my 2nd attempt to getting this removed with cavalry portfolio service through CFPB dispute number XXXX. They never answered my complaint. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is being share inaccurate. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on my credit profile they continue to not respond please can this be removed permanently off.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

This company has scammed me for insufficient funds 3 times this year. The first time I spoke to 4-5 different people to get it refunded and they sent me back the XXXX. It happened again, but I didnt wan na go through the hassle of dealing with them again so I let it go, this was in XXXX. This time they are telling me, a XXXX  was sent on Monday ( XX/XX/XXXX ) which there is no record of on my end in the bank of america app for XXXX that was declined. I have over draft protection so I switched the card on my XXXX  on Saturday ( XX/XX/XXXX ) and put the transaction through on another account. Today which is Tuesday ( XX/XX/XXXX ), I get an email from Bank Of America that says, you may have insufficient fundsI was shocked to look at my account and they charged me XXXX for something that declined. I called spoke w/ a rep who couldnt help me, who told me she saw a XXXX XXXX transaction, got to a supervisor whos name was XXXX he told me he didnt see a XXXX XXXX transaction and placed me on hold to look into the matterhe hung up the phone. Called back waited on the phone for over an hour, spoke with another supervisor ( XXXX ) who told me that overdraft protection would stop this from happening, I told her that I had over draft protectionshe became quiet and said well the charge cant be reversedstill no resolutionshe transferred me to XXXX who talked over me the entire time and now is adding rules to what the prior rep statedshe told me that in order for overdraft protection to work on this type of account is if I have a savings account to Again, how is anyone supposed to know about this or their insufficient funds fee when you think you have overdraft protectionTHEY DECLINED THE TRANSACTION AND EVERYTHING SO THIS IS ONLY TO BENEFIT THEIR COMPANY BECAUSE Im being penalized for money that I never evn spent. This company is terrible. Ill make sure that no one banks with them EVER.
Consumer complaint received 2022-07-31
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. (PA)

I have new information Fact, on XX/XX/XXXX I notified Equifax that they were violating my privacy by reporting an alleged bankruptcy XXXX without my consent. 
Fact, A consumer reporting agency can not furnish information on a consumer 's report without my written instruction 15 USC 1681 ( a ) ( 4 ).

Fact, the reported case number of the alleged bankruptcy is inaccurate.

Fact, Equifax response on XX/XX/XXXX did not sufficiently address my ( the consumer concerns ). 
Fact, Equifax responded with a form letter Fact, Equifax continues to report inaccurate information after being notified of its inaccuracy. 
Fact, US Bankruptcy Courts do not report information to any consumer reporting agency. 
Fact, I suffered financial loss due to Equifax 's inaccurate reporting. 
Fact, Equifax 's inaccurate reporting caused me to be denied for a home equity line of credit. 
Fact, The XXXX data breach has compromised the accuracy of Equifax 's data.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

Pressler sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as pressler.
Consumer complaint received 2022-07-25
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. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated of XXXX  - Account # XXXX But how is this possible if the following information has come back inaccurate : Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. 

This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide
Consumer complaint received 2021-09-22
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. (TX)

I had an account with XXXX XXXX XXXX Mastercard in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to Experian and successfully had the account removed. 
However, In XXXX of this a collection agent, XXXX XXXX XXXX, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with Experian to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.
Consumer complaint received 2022-09-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK (IL)

n XXXX of XXXX i filed a dispute on Mechanics bank for being inaccurate and this item from Mechanics Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law XXXX report # XXXX Date XX/XX/XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My XXXX XXXX auto financing loan did dont appear in XXXX, XXXX XXXX or Transunion credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Since my COVID payments stopped, the bank has charged me a $ XXXX monthly maintenance fee in XXXX and XX/XX/2021. I am a stay at home mom with a XXXX  month old XXXX  and can not afford to return to work because child care is more than my potential income earnings. I have no other benefits being received on the account. I signed up for this BOA checking account when I was working and agreed to using ATMs and not enter the bank, and I agreed to online statements to avoid being charged monthly maintenance fees. At a time when I, a consumer, need help the most, the bank continues to pile on the fees. I want to keep my bank account because it has been very convenient when my husband transfers funds and I can use my debit card. I don't want to use prepaid cards and become unbanked, but this large monthly fee makes a difference in being able to buy food or items for my child. I know the bank wants fee income but I wish they could offer an account with no fees for low income people who don't have {$250.00} direct deposit or maintain a balance of {$1500.00}. I shouldn't have to be rich to have a bank account.
Consumer complaint received 2022-07-31
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. (AL)

i disputed these accounts on my credit report and experian and XXXX replied to me that these inquiry 's came back as verified, I told experian ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both experian and XXXX used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

XXXX account was canceled on XX/XX/21 in writing and with in 30 days Cain & wiener placed a Collectsion on my XXXX XXXX and XXXX credit report. Please request progressive to supply you with the amount owed in writing because I feel they have an inaccurate amount as per their early cancellation policy. XXXX or XXXX, My credit damaged and it could take seven years for it to be removed.
Consumer complaint received 2021-09-21
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. (TX)

this company is allowing a false and unverifiable account to continue reporting without any proof. I have requested several times and filed a police report. accnt # XXXX