davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AR)

Company repeatedly calls to collect debt that I do not believe I owe, I had a XXXX outlet credit card, made a small around {$30.00} dollar charge. Due to the unexpected DEATH of my husband I missed its payment. Once I realized it, I immediately paid it, XXXX bank holder of the credit card, called and said there was a late payment due, I asked considering the circumstances, would they waive the late fee, they did not, most companies do, I also asked for the card to be canceled, they refused. I then got a bill for a trumped up charge of {$2.00}. I called them multiple times, asking to talk to a supervisor, the agent replied only if I made a payment to my balance. Then they started accruing penalties and fees, which the Better business bureau has sighted as unfair credit charges. My credit rating took a hit. Then they sold the debt to midland credit management who started harassing me with multiple calls from multiple numbers, I had to place a call blocker on my phone. I have had as many as 10-12 calls a day in rapid succession. This company has an unsatisfactory rating from better business bureau. All this mess could have prevented if XXXX XXXX  allowed me to talk to a supervisor.
Consumer complaint received 2018-09-23
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. (VA)

Overview You're currently using 101 % of your account 's limit. 
Balance {$13000.00} Credit limit {$13000.00} This showed up on my credit history and I have no idea what it is and where it came from. Because of this my credit score dropped by 75 points and I have no idea what to do to fix it. 

Account Details Account status OPEN Type Flexible Spending Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info
Consumer complaint received 2024-09-04
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. (AL)

I am writing to formally express my deep concern regarding the inaccuracies present in several disputed accounts on my credit report. Despite my repeated efforts to bring these errors to your attention, I have yet to receive any resolution or corrective action. These inaccuracies are having a severe impact on my credit file, which in turn is causing significant hardships in my daily life. 

The ongoing negative effects of these erroneous accounts are distressing and have left me in a challenging financial situation. I kindly request that you initiate a thorough investigation into each of these disputed accounts. It is crucial that my credit report is updated and rectified without further delay to ensure its accuracy and integrity. 

Your prompt attention to this matter is essential for me to regain control over my financial well-being. I would greatly appreciate your swift action and cooperation in resolving this issue. 

Thank you for your understanding and assistance.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I received billing statement from XXXX XXXX XXXX date XX/XX/2018 that told me owe XXXX XXXX XXXX amount {$150.00}, I had called them and let them know my car Insurance with XXXX  had been cancelled after the term of contract, the payment continuous is monthly payment and I want to cancel policy any time if I do not pay premium. I know the Insurance policy if I did not pay premium I would not get coverage for my car at the time of due date if something happen for my car, that mean I did not owe XXXX   anything because XXXX did not cover my car when I do not pay. 
I had a new car Insurance policy with another Company and did not pay premium for XXXX any more, But I don't know the XXXX XXXX XXXX they have knowledge about car insurance policy or not they still bother me and sent me a billing statement date XX/XX/2018 of debt amount {$150.00} again.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CONSUMER ID XXXX ; BANK OF AMERICA  XX/XX/year>, I DID NOT AUTHORIZE OR BENEFIT FROM THE INQUIRES LISTED. THESE ACCOUNTS ARE BEING REPORTED WITHOUT MY CONSENT, WHICH BREACHES Title 15 U.S. Code 1681b ( 2 ) ( a ). I DEMAND THEIR IMMEDIATE REMOVAL, AS THEY INFRINGE UPON MY CONSTITUTIONAL RIGHTS TO LIFE, LIBERTY, AND PURSUIT OF HAPPINESS. PROMPT ACTION IS REQUIRED TO RESOLVE THIS ISSUE.
Consumer complaint received 2018-09-22
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: EQUIFAX, INC. (MA)

Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I want to reiterate once again some points and authorities of this complaint and UPLOAD ONE MORE RECORDING FROM TODAY FROM MY MOTHER " XXXX more on XXXX XXXX XXXX from Moms voice. '' Please DOCUMENT THIS WITH THE ADDED RECORDING FROM XX/XX/XXXX FROM MY MOTHER. IN ADDITION SHE CALLED THE BANK TO WITHDRAW THIS CLAIM ON XX/XX/2018, AND SAID SHE MADE A MISTAKE AND FORGOT SHE HAD GIVEN ME PERMISSION FOR THIS AND OTHER TRANSACTIONS IN HER BANKING -- AS I HAVE BEEN SAYING ALL ALONG.!! 

My mother has already called XXXX XXXX XXXX, Monday XX/XX/XXXX and withdrew the complaint and said she filed this in error from not remembering. She also states on the recordings she has memory problems as I have been telling you previously. 
XXXX XXXX XXXX said they would get back to her. She was confirmed, recorded and spoke to a supervisor and redrew this complaint and also as you can see on this NEW RECORDING FROM TODAY, XX/XX/2018, SHE FULLY EXPECTS THE FUNDS TO BE TAKEN BACK OUT OF HER ACCOUNT FROM HER ERROR. AND RESTORED TO ITS SOURCE. In this case it would be back to XXXX XXXX XXXX that credited it, they will debit it, and then contact you to release the claim they have with you to recovery funds from a claim, which is now proven to be false, and I was fully authorized for this transaction and others. 
PLEASE FORWARD THIS TAPE. I WILL ATTACH BOTH FROM THE XXXX AND TODAY THE XXXX. 
WE ARE WAITING TO HEAR BACK FROM XXXX XXXX XXXX NOW CONFIRMING THE CLAIM HAS BEEN SHUT DOWN AND WITHDRAWN.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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. 


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. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Delete the late payments from my consumer reports
Consumer complaint received 2018-09-17
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: National Credit Adjusters, LLC (UT)

National Credit Adj keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly.

I have been disputing with The credit bureaus XXXX and XXXX and they have yet to prove that this is mine. XXXX XXXX   IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Good day, please take this complaint seriously as my life and my future is at stake in here, this has been stressing me out for months because of your continuous reporting of false and inaccurate information on my credit which is a blatant violation and insult to my rights as a consumer. I am getting rejected for new credit applications because of these errors which has been absolutely frustrating.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I learned about the new law allowing free freezing of credit file with Equifax, XXXX, and XXXX. I applied online and froze my report with XXXX   and XXXX with no issue. However, I was not able to do so with Equifax. Neither the online system nor the automated telephone system allowed me to proceed after I entered the required information - the SSN and residence address. No human support is available on a weekend, only the aforementioned automated system. I will be calling them again on Monday.
Consumer complaint received 2024-09-03
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/18 I received notice from my credit monitoring services that a collection was placed on my credit reports, which significantly dropped my credit scores. I called Waypoint on XX/XX/18 which their office was closed. I called back onXX/XX/18 st XXXX EST and spoke with XXXX XXXX concetning removing the debt off my credit reports because I never received a letter nor a phone call. She informed me that she couldn't remove the item unless I started the dispute process. I told her this debt was already satisfied with another collection agency who had already removed it from my credit reports. I again asked that this account be removed from my credit report because I wasn't given proper notice and that I had the documentation to prove that I didnt owe it. I asked for an email address to send in my documentation, which she did provide ; however, she still stated she couldn't remove the collection. I stated again that I never received notice and that it should be removed because that is the law! On XX/XX/18 I have emailed my receipt document to Waypoint and I'm awaiting their reply to my email.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went into one of the Bank of America in XXXX, GA on XXXX XXXX when I went to go deposit my cash in the atm it took my cash and didnt credit my account I was told I will have to wait until the XXXX to get my funds but I have bills I have to pay and need it today
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne closed my cash back credit card, because according to them, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. ''
Consumer complaint received 2024-09-03
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. (FL)

Hi Experian, I just received a copy of my credit report and I saw this fraud account open under my name without my knowledge. 
I was on the phone with the fraud team from XXXX XXXX XXXX XXXX XXXX AND THEY TOLD ME THIS FRAUD account shall delete from my credit report. 
I never opened this account and fraud charges transactions been occured.
Consumer complaint received 2024-09-03
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. (CA)

MY NAME IS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SS # XXXX ADDRESS XXXX XXXX XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 15 USC 1681i 15 USC 1679c
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (GA)

My mortgage was sold to Regions bank during the first year of having it. I wasrequired to sign up for a new online account with a bank I wanted nothing to do with in order to maintain my mortgage. Early on this wasn't that much of an issue, but in the last year Regions has become more aggressive using my personal information in attempts to try and sell me services that I do not want or ask for even though I have reported to them many times that my information is not for them to use as they please. I have asked multiple times to be removed from any and all lists that do not pertain directly to my mortgage statement and while I am assured every time that this has been done, I will receive something else the next month. They also don't provide any means to unsubscribe from their mailing lists in the emails I receive. I want this harassment to end.
Consumer complaint received 2018-09-22
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: Hirshberg Acceptance Corporation (MI)

On XX/XX/XXXX Hirschberg Acceptance ILLEGALLY submitted a hard inquiry my credit report with malicious intent. I called them On XX/XX/XXXX to request a removal and purpose on the inquiry and they stated there was no reason. They are upset because I won a court case against them in XX/XX/XXXX.
Consumer complaint received 2018-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo deducted {$150000.00} in XX/XX/2017. 
Is from then that they don't give me my money from complaining and everything. 
They took in the last two months more than {$3000.00}
Consumer complaint received 2024-09-03
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. (MA)

XXXXXXXX XXXX reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
XXXX and their subsidiary company lake view have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan # XXXX I have been consistently making payments for these XXXX loans under the XXXX website first and then under XXXX up until XX/XX/year>. XXXX for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only XXXX to pay the loans. Then, without me receiving any notice XXXX only sold 1 loan # XXXX, to XXXX XXXX Mortgage apparently in XXXX. When I logged in to XXXX the system advised me they have sold the loans to XXXX XXXXXXXX XXXX  and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXX point only showed the loan they had purchased, but not the other loan which I did not know it had stayed with XXXX. When I realized the confusion, caused by their failure to send me notification and the XXXX websites servicing the loans, I logged back on XXXX to make the XXXX payment. This payment was not XXXX effect until a few days past the 30 days due to the confusion. I requested XXXX to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure XXXXXXXX XXXX  makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2018-09-18
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: CITIBANK, N.A. (MD)

I received an email promoting the Citi ThankYou Premier Card. After spending {$4000.00}, I was to receive XXXX ThankYou Points. I applied, was approved, and spent the amount. After this, I was informed I was not eligible to receive the points. 

I contacted Citi after meeting the minimum spend and they informed me that I was not eligible to receive the points. 

This is misleading and I am extremely upset I have taken a hit to my credit, paid them an annual fee, and now receive nothing. They keep giving me the run-around and I have chatted with multiple support specialists, called and been placed on hold, and have no results.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2018, I was using the credit karma app. I saw an ad for a capital one card. I read through all of the information. I noticed a portion which said that I would not be eligible if I had a past dur account with capital one within the past year. Since I did not, I applied. I received a message informing me that I was not approved. I would receive an email and letter within 10 days with an explanation. Today, XX/XX/XXXX, I received an email with instructions on how to view a pdf about the decision. The letter stated that I had too many past due capital one accounts. Again, I do not have any past due accounts with them. 
This is the fourth time in the past two years that I have attempted to get a capital one card. The last three times the reason for denial was a lawsuit on my credit report. This mysterious item was never found. In the past I have received calls from people claiming to be with capital one. They tell me that there is nothing that they can do, that I should check with the local courts, and a bit of fake empathy. I would love to speak with a person who can help me. I would love to find out why capital one is making excuses for not approving my applications.