davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2017 I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was Capital One. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of XXXX XXXX XXXX. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado XXXX and XXXX XXXX report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
Consumer complaint received 2018-01-18
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. (PA)

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While the account was never established the fraudulent inquiry was on his credit report. We received confirmation from XXXX they were removing the inquiry and acknowledged the inquiry was fraud related however an official dispute to remove the inquiry was sent to TransUnion credit bureaus and TransUnion confirmed the inquiry was accurate and factual. This reported inquiry is a violation of XXXX XXXX consumer rights.
Consumer complaint received 2018-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was robbed at XXXX XXXX and XXXX XXXX they took my cards id and phone and passcodes and Bank of America rebilled me saying no fraud which is XXXX Im going public with this
Consumer complaint received 2018-01-18
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: The Outsource Group, Inc (NC)

The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX   who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX XXXX to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for an American Express Delta Platinum card. According to the promotion I " can earn XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. Also, a {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' I fulfilled all the spending requirements in early XXXX. Neither the miles nor the statement credit advertised under the promotion have been posted to my account. I have contacted AmEx several times by chat (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At each contact the representative has verified that I have met the requirements. Yet the bonuses have n't been posted, even though the time limits they themselves have specified have passed. 

I believe that American Express ' advertisement is deceptive, misleading and fraudulent
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (UT)

Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2018-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I experienced fraud from someone pretending to offer me a virtual assistant job. This person tried depositing XXXX XXXX dollar checks into my account. So I called the bank to notify them I was experiencing fraud. To not let this person deposit fake checks into my account. The bank told me everything was fine and it would n't and sure enough two days later my account showed that I overdrafted my credit card account. I called their office trying to figure out what happened and all they did was put me on hold constantly and say that it was n't their department. I have paid the minimum for 3 months now to avoided being ill charged even further. It infuriates me knowing that I am being swindled out of XXXX dollars I do not have.
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc. (MI)

On XXXX XXXX I contacted my auto finance company with hopes to change my payment due date or frequency of payments from bi weekly to monthly. Explained I 've been experiencing hardships and late payments with current arrangements and wish to continue leasing with on time payments made monthly and avoid issues with my residence which is affected as well.I was told after my first initial on time payment i would qualify that was in XXXX of XXXX all payments have been made and I am current on my lease. I was denied a due date change as well as a payment arrangement which would have the charges paid in full within XXXX weeks of original date of XXXX XXXX as it aligned with my pay schedule. I was also threatened with repossession and disablement of the vehicle if a payment was not received. Im devastated I have no desire to default on my lease or ruin my credit or compile extra fees or charges. I understand no willing to change my payments from bi weekly to monthly but not accepting a payment arrangement is outrageous and unethical
Consumer complaint received 2024-10-08
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

I contacted this company letting them know there were several fraudulent accounts, inquiries and personal information on my report due to identity theft. The company assisted in removing the information but removed my score after it went up. I have contacted them several times in regards to this but still no progress. It has been over 30 days.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (CO)

On XX/XX/XXXX I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was XXXX XXXX. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of Machol & Johannes. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado BBB and Rip Off report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I attempted to make a payment via phone on XX/XX/XXXX in an effort to provide a late payment being reported on my credit report. About a week later, I noticed that the money was never drafted from my account so I contacted Bank of America. The representative and I verified the information given. The information she recited was correct. She stated that the bank rejected payment. I contacted the bank and discovered due to a recent bank merger, the routing number changed. I relayed this information to the representative. I then asked if he could rerun the payment and back date it for XX/XX/XXXX so that I would not have a 30 day late payment on my credit report. He stated no ... .. I then requested to speak to a supervisor. I explained my dilemma and was again told no. I told the supervisor I was in the process of receiving a settlement as was prepared to payoff this loan in exchange for a little grace. She emphatically told me no due to human error. For the last few years I have been paying late due to not being able to do full time work. My attorney advised that I file for bankruptcy on many occasions. I decided against it as long as I was able to maintain my credit. I received my settlement on XX/XX/XXXX and at the advice of my attorney, I again contacted Bank of America on XX/XX/XXXX and spoke to XXXX XXXX. I explained my situation to her and explained that now I have the money to payoff the loan if Bank of America would remove that one blemish from my credit report. Again I was denied. I am not refuting the debt or any late payments ... ... but would like someone to consider removing the 30 day late payment in exchange for me rectifying the debt in full.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I was charged a {$37.00} late fee on my Cabela 's  account that has a balance of {$150.00}. In addition to it being an usurious fee ( 23 % ) I have been working with a collection agency on this account, to which it was forwarded after non-payment over one year ago. The collection agency, XXXX XXXX, set me up for recurring payments. I agreed to make two ( 2 ) payments on the remaining balance, which was around {$160.00}, at the end of XX/XX/XXXX. The first payment was deducted on XX/XX/XXXX for {$80.00} and a second payment was set for mid XX/XX/XXXX. Today I received a bill from Cabela 's with a new  balance of {$110.00} which has been adjusted to include a late fee ( which the collection agency should have reversed because we agreed on a payment date ) and an interest charge of {$2.00} ( interest that should have been stopped when I entered repayment with the collection agency over one year ago ). 
In sum, I am realizing that I am basically paying off late fees that accrued because the collection agency did not adjust my payment due date and interest that XXXX XXXX staff led me to believe would be arrested due to the closure of my Cabela 's account and agreement to work with their agency.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

Equifax indicated that my personal information was comprised in their breach. Therefore, I attempted to sign up for free 12 month credit monitoring service. 

I completed all the required steps to register for the credit monitoring and received a confirmation email from Trusted ID. Clicking on the link in the email, I was then redirected to theTrusted ID Premier website, I enter my DOB as requested but the same message captioned below always appears ... 

" SYSTEM UNAVAILABLE We are unable to process your request at this time. Please try again soon. '' The deadline to register for the free credit monitoring is XX/XX/18 less than two weeks from today. I have attempted to complete this registration online since last XX/XX/XXXX. 
Any assistance would be appreciated.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are unauthorized inquiries on my credit report, which contradicts 15 USC 1681b ( c ) ( 2 ). These errors are harming my credit, so I request their removal.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. 

I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.