davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (TX)

It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2021-01-27
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. (VA)

XXXX XXXX  placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for XXXX to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. XXXX was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to XXXX.
Consumer complaint received 2022-10-08
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)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They DO NOT have my permission to report these LATE payments to XXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXX XXXX and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.
Consumer complaint received 2021-01-27
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. (MI)

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX bank for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld/TSI has not been able been able to provide me with an original agreement or contract with the original creditor for the alleged debt. I have sent numerous debt validation letters to this company and no original contract or agreement was provided. I have also made several attempts over the last couple of weeks by contacting them via phone and each time I was told by each customer represperson they were unable to provide me any information regarding the alleged debt. I was informed I would have to speak to a specific account representative XXXX she was the ONLY person who could speak. I was told to leave a voicemail she would return my call. It has been several weeks now with no response and I dont understand how a debt it is reporting by a collection agency who cant produce the original contract for the creditor nor provide me any information on the debt. I am requesting this debt to be removed from by credit report due to the company not being able to provide me a contract agreement with the original creditor and for violating the Fair Debt collection practice Act. Please remove this debt from all three bureaus.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-04-06
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. (MI)

On yesterday XX/XX/2022 I called XXXX  XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX  XXXX XXXX  XXXXXXXX  # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a capital one savor card and they had an initial promotion of XXXX  month 0 % interests for all purchases. One their monthly statements under the fees and interest sections, it states the interest amount and shows the monthly balance. On my monthly statement, it showed my monthly carryover balance and the associated 0 % interest, however what it did not show was the time period in which the promotion interest will be ending. On all my other credit cards for other institutions XXXX XXXX XXXX XXXX XXXX XXXX  ) whenever there are promotion interest rates it will always state the time when the rates expire, very clearly on each monthly statement. For Capital One, they chose to be shady and secretive. When I questioned Capital One rep and their manager, it was stated that it was not secretive but it was stated in the original terms and conditions of the credit card when I originally received it 15 months ago. They said I should have read all the terms and conditions and expected to remember all the details. Then I ask if I could access my terms and conditions document online and download it online and the rep manager stated no. That it has to be sent by mail. I informed them this practice is quite predatory. Their marketing all states the 15 month 0 % interest but then they do not remind the consumer when exactly their 15 months is ending. Because I did not ever see an expiry date or notice that my promotional rate was expire, I assumed it would continue until notified. Capital One made no effort and hopes the customer will forget and likely will since the one place and time Capital One states it is in their terms and conditions during the original receipt of the credit card. Completely shady business practice. COMPLETELY!!!
Consumer complaint received 2022-07-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc. (KY)

RMS repeatedly calls my work phone and cell phone incessantly. XXXX XXXX is the date of the last phone call I received. I explained that this debt is not valid. I dropped my course with XXXX prior to the drop date deadline. I do not owe XXXX anything. The woman on the phone told me that she was going to call XXXX and tell them that I am refusing to pay the debt and threatened to damage my credit further if I refuse to pay RMS {$2500.00}.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I ran my credit report on multiple different ones such as XXXX XXXX  etc. Transunion is showing XXXX XXXX XXXX  Original Creditor Name XXXXXXXX XXXX XXXX I don't recognize this account. It states it was opened XXXX and I did not open any account. Also there are inquiries in my report that I didn't do.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IA)

XXXX # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error.

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt.

If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies.

The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States?

If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable.

Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty.

Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX  companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

BANK OF AMERICA I received a mailed promotion about a {$300.00} signup checking bonus if I opened a new bank of america checking account by XX/XX/2020, used my unique offer code, and setup direct deposit of {$4000.00} or more within 90 days. 

I opened the account via the online website bankofamerica.com/300Reward on XX/XX/2020. My application was approved. I received a confirmation email and number. I funded the account with a {$1500.00} ACH transfer from my other XXXX XXXX bank account. I also setup online access and mobile access. I got an account number and could see the routing number, so I setup  direct deposit with my company. 

3 days later, on XX/XX/2020, I tried to access the account via the online website. I was told that the account was locked. I tried to access the account via the mobile app, I was told I needed to call customer service. I called customer service, and was told that they could not find my account and that I would need to go into a Bank of America branch with 2 forms of ID to get any issues resolved. 

On XX/XX/2020, I went into Bank of America branch with my valid drivers license and passport. I was told that the account had been closed, but that they could not tell me why. I showed them that the {$1500.00} had been withdrawn from the XXXX XXXX account to fund the new bank of America account and that the transaction had already posted. They could not tell me where my money was. All they said is that the account was closed because some information could not be verified, and that " if my money '' was in transit that it would eventually be returned via a cashier 's check, but that the timeframe was unknown. 

I was at a loss for words. I had not received any mail, electronic or paper, no notices, no messages, nothing. Bank of America just closed my account, locked out access, and took my money without a word. 

I have the statements, the screenshots, the transaction ID, the application confirmation number, everything I need for them to resolve this or at least tell me why the account was closed. I could have verified whatever was wrong. I have an excellent credit score, a fantastic job, and many other bank accounts. The whole experience was incredibly akward. 

Right now I just want my money back. Somehow it was withdrawn by " BANK OF AMERICA '' to an account that " no longer exists ''. 

I also can no longer use the signup promotion code I was given, as when I try to make a new bank of america account it says that the promotion is already been used. So there goes my {$300.00} signup bonus for all of the work, and in the meantime I'm out {$1500.00} until this can all get sorted out. The bank of america in-branch representative, the call center, and the person they called while I was there all couldn't help or give me a straight answer about anything.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

As of 2 weeks ago. My account was charged {$200.00} by an ATM. I never received said {$200.00}. The ATM said my account was not charged but it was. I then contacted Bank of America and they said they would look into it. A few days later my account was closed by the state of Nevada. I then contacted the state of Nevada unemployment. I sent off what documents I had to. Bank of America has also sent off what documents they had to according to them. Yet my account is still closed.
Consumer complaint received 2023-01-30
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: JPMORGAN CHASE & CO. (TX)

The following notifications on my credit are fraudulent of incorrect. I have not changed address or applied for any new credit. My email was found in a security breach and the following is reported : I am seeing a new inquiry from XXXX XXXX XXXX on XX/XX/2023. 

I am seeing a new inquiry from Jpmcb Card on XX/XX/2023 I am seeing a new Inquiry from XXXX XXXX XXXX on XX/XX/2023 I am seeing a false address on my credit XXXX XXXX XXXX on XX/XX/2023 I am seeing a new inquiry from Jpmcb Card on XX/XX/2XXXX XXXX