davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

i have fully paid XXXX their balance of {$130.00}. The information that is being reported on this account is inaccurate and in effect hurting my consumer credit profile and score. The presence of this inaccurate information is affecting my financial wellbeing and needs to be corrected immediately. This account should have never being sent to collections and i want the CFPB to supervise in the deletion of this account.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (GA)

Receivables Performance Management continues to violate federal consumer law. 

Receivables Performance Management deleted a inaccurate account from my credit report and then re entered the account back on to my XXXX credit report. As I have stated before, I have no idea who Receivable Performance Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.Also, they are reporting that I have a balance with them as of XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Managementas third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Receivables Performance Management XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C.

9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX  or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

The company Capio Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX has submitted collections to my XXXX Credit Buero for 3 collection accounts. These are not my accounts. I never received anything digitally or in writing for these accounts. I have never been to XXXX XXXX which shows twice with two different amounts and XXXX XXXX XXXX. I have good credit, also I am floored that this company has my information and can place a collection on someone's account that isn't even theirs. Please investigate this company to the fullest. I will be filing other grievances with their location consumer protection agencies to get this resolve faster as this hinders my ability to finance and leverage my credit report which in turn affects my lively hood and my family well being.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is reporting my credit card account negatively to the credit bureaus. The balance was paid in full, and it is still reporting to the credit bureaus as a balance due. I have a letter from Bank of America dated XX/XX/2022, that reflects a paid in full balance.
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc. (NY)

I have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

The entity, Comenity Bank, is the servicing custodian for in this case, the XXXX XXXX issued under the XXXX XXXX marketing banner. I made a wire transfer to them which as their paperless statement indicated was processed on XX/XX/XXXX, well within the timeframe set forth for the due date. However, after perusal of my XX/XX/2023 closing date statement, I see where the computer has accepted my payment, charged a late, returned check, AND a REFUND check charge. Also, my grand total of fees charged for the year is not {$90.00}, but rather 30 dollars. Even after intervening on my behalf, their reticence to hear my interrogatory led me to seek a more studied advocate.
Consumer complaint received 2021-04-21
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Altisource Portfolio Solutions, S.à r.l. (GA)

On XX/XX/2019, I logged on to my XXXX XXXXXXXX XXXX account and noticed that there was a transaction pending for the amount of {$1000.00} from XXXX XXXX. I did not authorize or have not had any dealings with XXXX XXXX. I contacted XXXX XXXX XXXXXXXX and was advised that they charge was pending and that they could not do anything about it. They gave me the number that was linked to and advised that whomever initiated this charge did it with my routing number and account number and my name. I advised XXXX  XXXX XXXX that I did not authorize such and had no idea who XXXX XXXX is. They gave me a contact number to XXXX XXXX. I contacted them only to have to leave a voice mail and get no return call. I logged on to their website and completed a dispute and asked for a return call but have not received a call.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc. (NY)

I have contacted XXXX XXXX XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX  XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX  XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc. (OH)

Incorrect information reporting on credit for Experian, XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX, appears on credit as XXXX XXXX XXXX XXXX XXXX incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-06-24
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: AMERICAN EXPRESS COMPANY (NY)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CBNA with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/18, I contacted Capital One Credit Card customer service to balance transfer {$25.00} from my bank account to increase my credit balance to hold my rental vehicle for an additional day. 

I was told my the customer service supervisor this feature was not available on my type of credit card which is quantified as " secured ''. I advised him this had been done before my simply by verifying funds available in my account. He stated this was done incorrectly, and was a Capital One decision not to offer this feature on " secured '' cards. 

I advised I reviewed my T & C 's online and do not see this called out and if this was indeed a specific policy that impacted credit decisions for my card I needed this in writing. I was told this policy was unavailable. Any policy that impacts credits or funds transfer availability should be available to all consumers to ensure proper decision on credit card companies. 

When told I wanted to file a formal complaint as there is clear inconsistency in service options, I was told the supervisor would submit a complaint to the " back office '' however they could not guarantee a return call. I told the supervisor this was unacceptable and I believed the information provided to be in violation of the FCRA. I asked to speak to the compliance department and was told Capital One did not have a compliance department. A large credit company under regulatory oversight without a compliance/audit department is clearly a falsehood. I do not appreciate being lied to by my credit provider.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

As of XX/XX/2018 I Notice a collection item on my credit report with company XXXX XXXX XXXX , XXXX  As I did a research on the internet I came up with address XXXX XXXX XXXX XXXX XXXX, MN XXXX. Of an item with XXXX XXXX, In the amount of {$2600.00} I disputed the item with all 3 Credit Report Bureau XXXX, XXXX, XXXX  in XX/XX/2018 and came back as verified and certified with XXXX XXXX XXXX. Please be advise that this item doesn't belong to me.
Consumer complaint received 2023-01-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, I have an XXXX XXXX credit card, issued by Bank of America ( BoA ). I have spent months working towards a kitchen remodel project. I needed to make a payment on my credit card on XX/XX/XXXX, which was above my credit limit. I spoke with a BoA representative on Thursday to try and have my credit limit increased, which was rejected. I asked them on the phone whether I could transfer additional funds onto my credit card now, in effect to increase my available limit to spend, e.g. my limit is $ XXXX, if my balance is XXXX and I transferred a payment of $ XXXX, I should then in effect be able to spend up to $ XXXX before I hit my $ XXXX limit. I was told I could do this. 

I transferred an amount on Thursday XX/XX/XXXX. I then tried to use my credit card over the weekend on a couple of smaller purchases. I then have received notices today that my internet and utility bills debited from this credit card have been rejected. I spoke with BoA who told me that because I transferred more money than the limit I have, they have placed my funds on hold for 10 days. Not only this, but they have prevented me using any of the normal credit I have during this time. So in short, they are holding $ XXXX of my money without even notifying me of this, and not allowing me to use my credit card because I tried to give them 'too much money '. Additionally, my bills are also getting rejected, which is causing me a huge inconvenience and could negatively impact my credit. I spoke with multiple people at BoA, all of whom told me that no one can overrise this 10 day period. How can no one at BoA override a system? I don't care if they reject it, but holding my money for 10 days without notifying me and blocking my card is completely unacceptable, and I have a strong feeling this is actually illegal- I can't see anything in the terms and conditions of the card that would allow BoA to do this, and it just feels plain wrong that a bank could do this. 

I am now in a worse off position than I would have been if I had done nothing, and my kitchen project that I have spent months on has been de-railed because of this. It is completely unfair, and potentially illegal.