davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (CA)

It was brought to my attention that I have a debt collection on my credit ( {$3300.00} ) for a student loan that belongs to my brother who filed bankruptcy in 2015. I am in the process of purchasing a new home through the VA Loan program and can not proceed any further until I get this issue resolve. I am also going through my security clearance update in the military and they showed the debt with a XXXX balance. 

I thank you in advance for your time and support!
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (GA)

I do business with XXXX I have reported them multiple times about fraudulently going into my account I called American express and told them I did n't give them authorization to go into my account on XXXX I did n't get paid til the XXXX how did they authorize a charge that I did n't say was approved before I got paid they have not given no answer and wo n't refund my money because they stated I do business with the company.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AL)

Since approx XX/XX/17, XXXX XXXX XXXX has called me because I am behind 1 payment. They have called me from an unknown number, every single day except Sunday, every hour at least once ( the calls occur between XXXX and XXXX ). Just today, they have called me 5 times. The calls started at XXXX. The last 2 calls occurred at XXXX and again at XXXX. I have picked up the phone and made them identify themselves .... This is how I know who it is, otherwise I would have had to trace the calls. This is harassment and it is an annoyance that I am very tired of. This company should not be allowed to call me from an " unknown number '' and they should not be calling me every hour of every day, 6 days a week.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (GA)

XXXX XXXX XXXX is reporting extremely low credit scores to XXXX XXXX during car loan application process, in order to allow XXXX XXXX to increase interest rates or having your application denied. 

The discrepancy in credit score between XXXX XXXX and the 3 other credit bureaus is over 300 points lower than the other 3. 

Please stop them from accessing consumer information and formulating scores that hurt people 's borrowing potential.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My account was erroneously overdrawn due to a fraudulent charge. Because of that, a {$35.00} overdraft fee was assessed against my account. This started a chain reaction of several overdrafts due to automatic payments, which were paid by the bank including a {$35.00} overdraft fee. In addition, the bank assessed a {$35.00} overdraft fee every time my card was used, even if they did n't approve the transaction. This caused several hundreds of dollars of overdraft fees. 

I called Bank of America and spoke to a customer service representative, as well as their fraud department, and they said they would remove the erroneous, fraudulent charge and refund the {$35.00} overdraft fee, but every successive {$35.00} overdraft fee for charges they did n't pay would not be refunded, even though they did n't process the payments. I urged them to remove the charges, but they said this is standard in their checking accounts, and they refused to help me. I then decided to file this complaint.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America didnt return my payment from XXXX XXXX XXXX XXXX as stated from my email they sent. As of date, I never received the returned payment from Bank of America, back in my checking account. Im very disappointed in Bank of America stealing my funds.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

They requested I send them the following information to : USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX A copy of my Oregon automobile license ( front and back ) ; my current address XXXX XXXX XXXXXXXX, XXXX, OR XXXX ; my email address ( XXXX ) so we can communicate via email ; and further information to close the account which at that time had a {$100.00} charge from XXXX which was not authorized by me. I first believed that the account was closed at the end of XXXX when I stopped both my automobile insurance with them and my credit card. Apparently they only closed the automobile insurance and not the card because in XXXX I was notified by my bank by there was activity on a card that had no activity for the past 6 months. I finally received a statement from XXXX XXXX, IL XXXX for account XXXX XXXX XXXX XXXX which I returned to them with the request to both refuse the {$100.00} charge as I disputed it and then to close the account. I also provided them with my new XXXX XXXX XXXX. Instead they mailed me another statement now at {$120.00} with late fees and interest to the same street address which had been vandalized/destroyed hense my new XXXX XXXX XXXX I have repeatedly attempted since XX/XX/XXXX when I received the credit card alert until today including my letter with information they requested on XX/XX/XXXX. I will go ahead and pay the amount they are billing me just to stop any futher fees or interest but request that they pay me back that amount at the end of this issue. Most important I want that account closed and I want assurance from them in writing that they have closed the account. I will admit that I have become extremely hostile towards USAA because they have made it impossible for me to move forward with closing this account. MAJOR CONCERN IS MY ABILITY TO NOT DO TEXTING ON MY PHONE WHICH THEY INSIST ON. Please provide an address I can mail my documents to as I don't have the ability to do so via computer. I destroyed the card back in XXXX so do not have the full number of the card... .only what the statement has.
Consumer complaint received 2017-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (PA)

Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Consumer complaint received 2017-12-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (VA)

My son took out a Sallie Mae student loan. He listed me as the " closest relative ''. Apparently he is behind on the payment - he says he has talked to them, I do n't know if it 's true but I am not responsible for his debt and do not want to receive calls regarding his debt. They continually call me almost every day, even though I am not a co-signer and have asked no less than 15 times not to be called anymore. XXXX ID # XXXX at XXXX ext XXXX has called me 3 times in the last week alone, despite being told every time not to call me any more. What can be done about this?
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.
Consumer complaint received 2017-12-19
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. (OH)

On XXXX XXXX XXXX I reported that XXXX XXXX XXXX XXXX was not reporting up to date payments. On XXXX XXXX I reviewed the Transunion. TransUnion deleted the XXXX XXXX XXXX XXXX account. XXXX XXXX was the Customer Service rep for Transunion and stated without a doubt that XXXX XXXX Requested the Account be deleted from my report. I have spoken with XXXX XXXX who assures me that all information. I am also including an updated Credit Card Information Letter, that shows payments are up to date. Credit card is active is being reported correctly. Transunion is at fault for both improper payments as well as deleting of accounts.
Consumer complaint received 2024-09-29
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: Experian Information Solutions Inc. (TX)

Unauthorized Credit Inquiries on my Experian, and XXXX XXXX XXXX credit files. I checked my personal credit report, and noticed these inquiries had been placed on my consumer credit files. 

I request the removal of all unauthorized and outdated credit inquiries. Per the Fair Credit Reporting Act 15 USC 1681 they are in violation of the FCRA. 

Experian : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I requested that Experian remove addresses from my credit report that do not belong to me, but they are still appearing. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you have the right to dispute inaccurate or incomplete information in your credit report. Heres a breakdown : Section 1681i ( a ) states that when you dispute information, the credit reporting agency must conduct a reasonable investigation. 
If the agency finds the information is inaccurate or can not verify it, they must delete it from your report. 
Additionally, 15 U.S.C. 1681c outlines the types of information that can be included in credit reports and the duration for which they can appear.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account XXXX  days past due, strictly for XXXX XXXX XXXX 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to Experian, XXXX, and XXXX to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REMOVAL OF CHARGE OFF Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 
After reviewing my credit reports I noticed that you are alleging that the above-mentioned account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX  per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Consumer complaint received 2024-09-29
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. (AZ)

On XX/XX/year> I pulled my credit file from Experian with a report number of XXXX and located two closed accounts ; XXXX  XXXX, and XXXX XXXX which have been obtained and are currently being furnished in direct violation of 15 U.S.C. 6802 ( b ) in addition to being in violation of FCRA U.S.C. 1681i, 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FDCPA 15 U.S.C. 1692 et seq. 

I went online and opened a dispute with Experian through XXXX on XX/XX/year> to which I have a notification online in my Experian notifications section stating my disputes were submitted on XX/XX/year> listing a report number of XXXX showing identical dates and information for both disputes. 

On XX/XX/year> I received notification from Experian that my disputes have been updated. 

One notification displays an updated remark stating " The incorrect account with XXXXthat starts with XXXX has not been changed and will remain on your credit report ''. That notification goes on to display a report number of XXXX. 

The next notification displays an updated remark stating " The incorrect account with XXXXthat starts with XXXX has not been changed and will remain on your credit report ''. That notification goes on to display a report number of XXXX.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX XXXX XXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form 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 The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-29
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. (VA)

I have requested 3 times to have the XXXX XXXX removed from my credit report for {$2000.00}. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year>, at approximately XXXXXXXX XXXX., I called Navy Federal Credit Union ( NFCU ) to inquire about an account discrepancy. Although a credit had been posted to my account, my available balance was not reflecting the update. I spoke with an agent named XXXX, who was unwilling to assist me and made it clear that she did not want to help. Instead of addressing my concerns, she informed me that she would transfer me to a supervisor, stating that she could not assist further. 

I was then transferred to a supervisor named XXXX, who refused to provide her full name. XXXX dismissed my concerns and refused to discuss a resolution. When I tried to explain the issue further, she hung up on me, stating that the call was not getting anywhere. Both interactions were frustrating, unprofessional, and abusive. 

I believe that this conduct violates UDAAP standards, as the refusal to provide assistance and the abrupt disconnection prevented me from managing my account effectively and was coercive in nature. I am seeking a resolution to the balance discrepancy and accountability for the customer service agents involved.
Consumer complaint received 2024-09-29
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX account # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX account # XXXX, has violated my rights.XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years.