davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My card was used fraudulently in multiple places including XXXX XXXX and various towns and cities in NC between XX/XX/2023 and XX/XX/2023 while I was in XXXX NC. Bank of America also approved charges that I had made in XXXX, NC on dates where the card/account was also being used out of the mainland USA. Clearly, one can not be in two places at one time.

I have or can obtain : 1. email receipts from appointments in XXXX that occurred while the card was being used in XXXX XXXX 2. email communication with my physician as a result of a dog bite that occurred while the card was being used in XXXX XXXX 3. adoption papers for the dog I did choose during the timeframe in which the card was being used in XXXX XXXX 4. school attendance records for my children ( while the XXXX XXXX XXXX XXXX XXXX was on spring break during time frame that overlaps the card being used in XXXX XXXX, I was in XXXX and my children were in attendance at public school ). 
5. XXXX calendar printouts showing when I XXXX XXXX XXXX XXXX XXXX during the spring semester and scheduled meetings that overlap the timeframe during which the card was being used in XXXX XXXX as well as while the card was being used in towns and cities surrounding XXXX XXXX NC XXXX 
6. Affidavits from friends/family/colleagues/and students can be obtained indicating that we were not out of the country nor absent from our jobs and school during the time this card was used without our permission. 
7. I have downloaded and attached the transaction history from our debit cards showing our location during the timeframe in question. 

I found the fraud when I received my electronic statement and contacted them immediately. 

I have attached documentation that I was local and not on vacation.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One Credit Card, Since XX/XX/2023. Had to call them each month they trying to take out wrong amount for payment on auto pay turned off had to block account number because they took out double payments. Talk to supervisor each month to fix problem . Then same XXXX keeps happening each month. This month sent a check for XXXX. XXXX XXXX XXXX tried to tried to cash check for XXXX. Charge me late charges even though I sent check 6 days early. My bank again XXXX XXXX  is filling a depute on what they are trying to do. Called Capital again supervisor file something for credit with them. Not sure if I will get the extra charges back, This happens every month since XXXX. 

Just have to see if I get a credit again.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management continues to relentlessly pursue me regarding a debt from 2016 as best as I can determine. 
They filed a complaint with XXXX Ohio XXXX Court, and continue to demand that I answer " interrogatories. '' Midland says this debt is mine, but I have not paid any credit card debt since 2016 when I lost 50 % of my income. I can not afford bankruptcy court or to be represented by a lawyer. 
I am poor. I am a XXXX XXXX XXXX XXXX who relies on SNAP for food and HEAP for utilities. I have no assets. I rent and live a simple life. 
Midland Credit Management pursues the poor in a predatory manner. 
I filed with XXXX credit that this debt was not mine in 2016. 
I have no means to challenge them. 
These letters and phone calls come from : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE XXXX
Consumer complaint received 2023-06-15
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. (NJ)

BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XXXX )
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I am still working full-time, but now XXXX XXXX XXXXe, because I am very ill. I have an XXXX XXXX of some sort, my XXXX believes it is XXXX XXXX, but I also have XXXXXXXX XXXX in my brain, so I'm currently being ping-ponged between my XXXX and my XXXX to see if there is a connection between my symptoms, or if I'm having several chronic issues at once. 

To help with travel and medical bills, I took this loan. I didn't realize that it would be {$120.00} every two weeks. I mistakenly thought it would be every month, which is an amount I can absolutely pay and would be happy to. I just made the first payment ( which is automatically pulled, I can't cancel or modify anything from their website ), and I reached out to their customer service team and explained to them that I need to modify my payments for now. 

I'm currently a XXXX XXXX, so my goal is to simply pay off the loan in full next semester with a student refund, but they said refinancing or paying a different amount is not an option for my loan type! They have given me ZERO options to make any sort of modifications to my payment arrangement. I even explained that I would be happy to make {$60.00} payment with each paycheck ( I get paid twice a month ), but this wasn't acceptable. 

So I'm going to have to request that my bank put a stop to any of their charges, and this is going to damage my credit, all because they refuse to even consider working with me, and I plan to pay off my loan early anyway. I went and checked reviews of their site, I realized that customers have complained about the exact same thing, have reported them to all sorts of entities, including the CFPB, will tell the CFPB that they will work with the customer, only for the customer to call them and them to be laughed off the phone. So I am feeling extremely scammed, duped, and stuck at the moment.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me.

To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : 1. The Original purchase agreement or contract.

2. Details of the terms and conditions 3. Documentation supporting the accounting history including transaction history Please send the requested information within 30 days. I appreciate your cooperation and look forward to your prompt response. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MA)

I purchased an item using XXXX, the total of the purchase is {$24.00}. On XX/XX/2020, I opened a dispute with XXXX because the seller sent me the wrong item, I returned the item to the seller, the seller is from XXXX so the item is only able to be tracked in the United States. I was told at the post office that once the item reached XXXX, that I wouldnt be able to see the tracking information being updated because they didnt have control over it. I provided XXXX with the tracking number on XX/XX/2020. The tracking information is stuck on XX/XX/2020 and it wont be updated for this same reason, I believe that the seller has already received his item and I still dont have my money refunded to my PayPal credit account. The tracking number is XXXX.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Inadequate counsel or missing leading information leading up to your filing. I was informed by attorney how to handle my debt when I got to court, the judge told me I was lied to by my attorney and did I want to drop the bankruptcy and not go through with it and I said yes. Never used it. I had to prove that I had dropped bankruptcy in order to pay my debt myself. You cant keep this on record as if I started a bankruptcy I never used and you cant do double jeopardy. As in, I cant prove to creditors Im not in bankruptcy and pay my debt. You get one way or the other. Please remove me from a bankruptcy. I am a special circumstance.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MS)

I have contacted ECSI on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.
Consumer complaint received 2023-06-15
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: Resurgent Capital Services L.P. (AR)

As of XXXX received information that LVNV Funding LLC is reporting inaccurate information on my XXXX credit report ( s )! 
Showing an open account in the amount of {$640.00} on XXXX Didnt open a new account on this date & the reporting information is incorrect & LVNV Funding LLC needs to correct/delete inaccurate information from my credit report ( s ).
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (LA)

It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 

15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX and XXXX are in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.

I am making this complaint against CREDIT COLLECTION SERV, for committing identity theft. I have never given CREDIT COLLECTION SERV, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with CREDIT COLLECTION SERV and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving CREDIT COLLECTION SERV any right to collect on this alleged debt. 
I have never received any documentation requesting validation from CREDIT COLLECTION SERV, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDIT COLLECTION SERV, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT COLLECTION SERV, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT COLLECTION SERV, continues its collection efforts, I will file for litigation for actual damages caused and CREDIT COLLECTION SERV, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

I have written to discover and experian in an attempt to correct this account, it has never been late and Experian will not respond. 

In accordance with the Fair Credit Reporting Act. 

XXXX and Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I have a care credit card that I was making payments on and only had about 3 payments left to pay off the balance of around {$1500.00}. I checked the website one day ( to be safe and monitor my financials ) and found they were going to charge me {$660.00} in interest on that balance ( because the promotional period ended ) which is ridiculous so I called them and they told me the APR is 30 % ( not an exact amount ) who would be around $ XXXX in interest NOT {$660.00}. They did resolve the matter by refunding the interest charge but I wanted to bring this to light in case they're doing this to other people. This has got to be illegal isn't it?
Consumer complaint received 2023-07-30
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: Experian Information Solutions Inc. (TX)

I XXXX XXXX XXXX am filing this complaint with CFPB. Pertaining to the inaccuracy that is reporting from Experian Credit Bureau. I have submitted a dispute concerning the inaccurate personal information being reported on my credit file. The inaccurate information is violating my civil rights. Under the FCRA, 15 usc 1681 per federal law as it pertains to 100 % complete accuracy.

I am demanding that all the old and outdated inaccurate information be deleted. Other than my personal information contained in this complaint. I request that all the other information be deleted. All, variations of names, addresses,
dob 's, phone numbers from my personal information.

See attached listing of copy of personal information to be deleted by Experian Credit Bureau. Also, delete my social security number, alone with my phone number, and dob for security reasons
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I disputed XXXX that was on my credit file with Experian. XXXX is an account that is a result of identity theft. Experian wrote me and said the account was accurate and verified. Yet Im trying to figure out how was it verified and accurate when the account is a result of identity theft. XXXX and XXXX deleted this account but yet Experian continues to recklessly report inaccurate fraudulent information onto my credit file. Im not sure of how you did this when I know for a fact that they account is inaccurate and fraud. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. This XXXX account is 100 % fraudulent. I also have new information such as a police report, notarized affidavit and my driver license. All my things were stolen in XXXX and numerous accounts and apartments were obtained in my name without my consent and my signatures were fraudulently copied.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX  XXXX XXXX  account # XXXX Reporting this late payyment from XXXX XXXX XXXX  is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in parragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the personmaking the report ; On XX/XX/year> you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet youare reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XX/XX/year> be Deleted from my consumer reports effective immediately. 
Now before you thinkk to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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. 
I need the above transactions deleted from my consumer reports!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hi, I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-22
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. (VA)

The three credit bureaus XXXX XXXX and experian are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties
Consumer complaint received 2023-09-22
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.