davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TN)

My daughter and I lived with XXXX XXXX in XXXX, Tn for over 5 years. In XXXX 2017, I ended up moving back home with my parents to help them financially until my dad was able to get his XXXX. My deposit when I moved in was {$550.00} which was also my rent amount every month. I am a single mom with one income no child support who struggled to make it but I always paid my rent. There were times that I was late paying it but always paid it before the XXXX of the month which is consider the eviction date. So they would tack on the late fees of {$50.00} a month which is fine because that was in the lease, I would pay over the amount of my rent ( {$550.00} ) when I had the extra to pay my late fees. I never caused any trouble at my apt . I never had any complaints from them or my neighbors, I never complained to them about anything, in the 5 years I lived with them I only called them 2 or 3 times to come fix things because I would do it my self. The ladies that run the office at XXXX have never been the friendliest people to encounter, they are usually rude and short ( not just to me, but everyone, I have had people tell me they walked out of there office before even looking at any properties because they were so rude ). 
So my complaint and issue with them is, the guy told me on my exit inspection that my apartment looked great and I would get my full deposit back, which I knew I would not because I had some late fees that I owed. They sent me a letter a couple months later stating that I owe {$580.00}. I called them asking how in the world do I owe that much when you still have my deposit of {$550.00}. They stated that they can not use my deposit toward my late fees, which makes no sense what so ever. I basically only owe them {$30.00} but they wanted me to bring in {$580.00} and them turnaround and mail me my deposit back. I told them I would bring the {$30.00} to them but never got around to it because the last few months have been hard as my dad has been sick in and out of the doctors and hospitals, my mom is about to have XXXX, just a lot going on. They have now turned me over to collections ( Rent Debt Automated Collections ) but in the amount of {$780.00}, I am not paying that when they still have my {$550.00} deposit and I technically only owe them {$30.00}. I will gladly drop off {$30.00} to them. The collection amount is incorrect and should not be on my report for that amount.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

I received numerous threatening calls from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. XXXX XXXX XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On Friday, XX/XX/2023, I attempted to use a virtual card number to pay an invoice for my small business, because the company required the number be provided to a live customer service agent located in XXXX XXXX. Capital one offers this service, but only if I leave my personal mobile number on the account for verification. I refused to use my personal mobile number for a business matter. I ended up giving my credit card number and immediately canceling the card and requesting a replacement. It was the only option available to me immediately. 

The agent called my office number to verify me, but since there is an announcement that calls are recorded, Capital One blocked use of my business number for my business account and changed the primary phone number, without my permission, to my home number. 

I received the replacement card on Monday, XX/XX/2023. The card ended in XXXX. As a XXXX that number is associated with the XXXX, so I called to immediately request a replacement. Again Capital One was recording, but when XXXX was told I was recording, because she was refusing to help, she disconnected the call, saying it was against policy. Their policies do not trump my legal rights to document calls to which I am a party. Georgia and XXXX law are one party consent states. 

It took nearly 12 hours of calling back to resolve the issue. when I called back XXXX told me a replacement card had been sent, but when I reached his supervisor XXXX, I was told no card had been sent, but the XXXX card was deactivated. XXXX asked if my number was still recording calls. I told him I did not give permission for them to record my call and all of them said they could not turn of the recording, except XXXX. XXXX let it slip that the recording was actually not discontinued. 

Capital One had removed my business number as the primary number to avoid contacting me on a recorded line. They placed my personal home number as the number without my permission. They refused to come up with a solution to verify the account that did not involve use of a mobile phone at work, which is an offense that results in termination. They can't risk people 's employment because they don't want to be recorded. 

When asked specific pointed questions about the account, the staff ignored the question as if not asked, forcing back and forth. I have the right to honest answers about my account. 

They do not come up with solutions to help customers in real time. Their validation is so strict and limited as to render the owner of the account unable to access and manage the account for extended periods. They force acceptance of robo calls and texts, etc. I have filed a complaint with FCC about this. 

I had to send my payment based on an old account number, because I was unable to manage my own account.
Consumer complaint received 2024-10-11
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-01-04
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: BlueChip Financial (ID)

I paid off this loan in XXXX of 2019. I have provided a document stating that it was paid off. This company has sent this same bill to numerous credit collection agencies and there is a new one calling daily. I keep disputing it and show the statement and they still refuse to stop the collections and to stop having different agencies contact me. The credit reporting agency is not even attempting to take it off my report just keeps saying its valid.
Consumer complaint received 2023-01-03
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. (NY)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.

As defined by the IRS Even if you didnt receive a form 1099-c you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I 've contacted Equifax & XXXX on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX 2017 came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote Equifax & XXXX asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from Equifax or XXXX even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make XXXX and Equifax stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I had lost my wallet which it has my credit cards, so I contacted wells fargo bank and requested a replacement card on XX/XX/2022. On XX/XX/XXXX I received an email that my card is on the way. 

The replacement card never arrived to my mailing address. Fast forward to few days later, there was unauthorized transactions of up to XXXX at various stores ( XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) I received a text that said respond Y to confirm the charges, i didn't respond. I reached out to the bank and filed a claim, which they came back and said all transactions are valid and investigation is closed. 

I never received the replacement card I never activated the replacement card I never authorized any transactions Its a business account, I never use that debit card at all. 

I reached out again to wellsfargo to get a proof of how those transactions were verified they couldn't tell me.
Consumer complaint received 2024-10-11
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. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AR)

XXXX XXXX is trying to collect a debt for XXXX and I have no business with neither one of them nor have I ever. 

Ive requested proof of this debt and rep told me she do n't have to provide it ; Ive never used XXXX before in my life!
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (FL)

XXXX car loan already paid XX/XX/2022. XXXX not taken off from all XXXX  credit reports. I have sent paperwork in the mail XXXX. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXX XXXX  There are XXXX accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXX service. XXXX  bank XXXX XXXX has no paperwork in the computer, XXXX no account in the system.Bank XXXX  XXXX is XXXX years old. It has been paid. I want it deleted off reports.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

My ex husband forged my signature on a check made out to me and him jointly with an and separating the names. He deposited that check into his sole account. Chase Bank XXXX XXXX XXXX, CT let the deposit go through without verifying identification. When I came to know of this forgery, I went into the branch with my valid identification and still they have not resolved the matter.
Consumer complaint received 2024-10-11
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. (IL)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, 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. (FL)

I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OK)

My Barclays credit card number was used in XX/XX/XXXX for fraudulent purchases. I reported it and Barclays issued me a new card. 
In XX/XX/XXXX the new card had more fraudulent purchases, Someone hacked my account at Barclays and transferred money through autopayment from my bank in the amounts of {$6400.00} and {$72.00} on XX/XX/XXXX and {$7000.00} on XX/XX/XXXX Barclays said they would investigate in response to my phone call on or about XX/XX/XXXX. 

I reversed the charges on XX/XX/XXXX, in the amounts of {$7000.00} {$6400.00} and {$72.00}. Barclays told me they found fraud and corrected all charges. Barclays sent me a statement in XX/XX/XXXX saying I owed them {$7000.00}. I immediately called but they told me they investigated and concluded I was responsible. They fraudulently listed my {$7000.00} chargeback as a " Cash Withdrawl '' I had not used the credit card at all since XX/XX/XXXX, so every charge they were claiming was fraud. Their investigation was incompetent, or involved the insider who stole the credit card number.
Consumer complaint received 2023-01-03
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
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. (MI)

I am writing to formally dispute several hard inquiries on my credit report that I believe are unauthorized. These inquiries are negatively impacting my credit score and my ability to secure favorable credit terms. 

I did not authorize these inquiries and have made attempts to resolve this matter directly with the involved companies. Despite my efforts, they have refused to remove these entries from my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report to reflect accurate information. I have attached relevant documentation supporting my claim for your review.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose