davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/2024, i called this company at XXXX at the fraud dept and they sent me to a different department and passed me around like I was an old shoe. They are so rude and sent me a letter asking me for information and I followed the letter instructions but they said the case was closed and wanted me to pay for a credit card that I DID NOT OPEN. Their Fraud operations is God awful and they open credit cards for people without getting verification and i tried to tell them that I DID NOT open this credit card. I am asking for help to file a lawsuit against this company because this has happened a second time with I believe it was them before. I am tired of this. All I ask for is peace of mind that they do not open credit cards in my name and remove this credit card off of my profile. Attached are all the letters they sent me plus my ids and bank statements. Please note, my bank statement shows all bills that I pay. Any bills i have gets paid on time and comes out of my XXXX XXXX XXXXXXXX account.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I dont recall when my cc was canceled. My cc was canceled due to XXXX XXXX XXXX having another contract with a different cc company. I continued paying my account with direct deposit. 
I never received communication ( statements or any communication ) from XXXX XXXX Bank. Also, they had on file an incorrect email. 
I remember that my payment for the promotion would end around XXXX XX/XX/year>2024. However, I didnt receive statements on the account. 
Around XXXX.24 I called XXXX Bank and started getting the round around to revisit the lack of communication from them about the promotion with differed interest. 
On XXXX24- I received a letter from XXXX Bank XXXX they acknowledged the receiving of my complaint and statements will display a credit or credit balance to assure, I wasnt paying any disputed amount, applicable finance charges, or fees during the investigation. 
On XXXX24- I was charged {$76.00} in interest. 
On XXXX24- I was charged {$73.00} in interest. 
On XXXX24- I paid {$2900.00} to pay for the balance on the account due to fear of XXXX XXXX Bank 's lack of response and communication since XX/XX/scrub> 2024. 
On XXXX.24- Im charged another {$54.00} in interest after paying the balance on XXXX.24. This confirmed that they had a wrongful intent to deal with this situation.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over XXXX days later I have not received a response XXXX. I feel like I'm being taken advantage of and being ignored of my disputes, section XXXX ( a ) is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2024-08-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America ( BOA ) is reporting non payment on my mortgage loan. I had a significant decrease in my credit score and learned that BOA is reporting Late and Non payment. After speaking with the following departments at BOA : customer service, tax, loss & prevention, escrow and escalation, it was identified that BOA created an escrow account for my loan and was making tax payments to the municipality through a third party called XXXX XXXX. 

My loan originated with Countrywide Mortgage in XXXX prior to BOA purchasing that portfolio. 

My bank records show that BOA has withdrawn my mortgage payments plus additional funds for extra principal payments, each month and on time, through ACH transfers. I requested that BOA immediately delete their escrow account since I hold escrow in another account at a separate institution. I asked for a transcript of our call and was denied. I requested a case number for this issue to be escalated and was told to call back on Tuesday, XX/XX/XXXX. 
I have submitted the following documentation to support my claim of predatory banking practices. : 1. Receipt of tax payment 2. Tax card 3. Bank statements showing monthly mortgage payments.

4. Bank statements showing personal escrow account.

5. Mortgage note was signed with Countrywide prior to BOA purchasing that portfolio.

6. Phone log with date and time stamp to BOA.

I requested immediate correction of my mortgage note showing on time payments and immediate correction of my XXXX score with ALL reporting bureaus. I was told that BOA will not delete an escrow account that they have created
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, I ordered XXXX XXXX XXXX game from an advertisement I came across on XXXX from the website www.battleputt.co. I placed the order for the XXXX items as it was a buy-one-get-one deal advertised on the website for {$59.00}. 

On XX/XX/year>, I received an email confirmation that my item ( order # XXXX ) had shipped via XXXX with tracking number XXXX ( can be found using XXXX XXXX ). 

On XX/XX/year>, I received the XXXX XXXX which was a small XXXX inch padded envelope that did not contain any of my items, but a piece of advertisement. I have been scammed and went to submit a charge-back claim with my bank, Bank of America XXXX The claim number from Bank of America is XXXX for the account ending in XXXX. On XX/XX/year>, I am following the claim status and see that the merchant 's transaction disputed my claim and Bank of America is following up. In the status update, it is noted that I have no actions at this moment and that the XXXX and their bank has XXXX days to respond. 

On XX/XX/year>, my charge-back claim was denied and closed by Bank of America since my order was fulfilled by the Merchant and was able to provide a tracking number. They used the guise of a tracking number to hide their nefarious intentions - I am providing pictures of the envelope that was sent to me instead of the items advertised and the resolution Bank of America provided on the claim. 

Additionally- shortly after I placed the order on XXXX, the website is no longer accessible. I also don't see how you can package XXXX XXXXXXXX XXXX sets into a single tiny envelop.
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (DC)

The school overcharged for loan servicing and used improper forms of documentation to have students sign in order to get loans without telling me any information they signed the loans with a computer form authorization of loans then waited during my school year to change rules and laws and regulations as it is a private school on classes all of my credits did not transfer used my certificate with another authority to try to state I was a illegal.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (CA)

I found these unknown inquires on my credit reports. I didn't apply for any auto loan. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ally Financial Ally Financial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

While I am ensuring my credit reports are reporting accurate information. I am seeing some inquiries that I do not recognize or have not made. I believe someone used my information to try to obtain credit. I was receiving many notifications about my information entering into many data breaches.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (IL)

I am filing this complaint against Mercedes-Benz Financial and XXXX credit reporting agencies XXXX, XXXX, and XXXX. Mercedes-Benz Financial has XXXX to provide the IRS XXXX XXXX as requested for both of my accounts, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, XXXX have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines XXXX However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of XXXX XXXX  for debts associated with my accounts XXXX & XXXX which has been reported as " charged off. '' According to IRS XXXX XXXX, a charge-off is recognized as a taxable event that should result in the issuance of a XXXX XXXXXXXX to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide XXXX XXXXXXXX : The creditor has not provided the required Form XXXX, which is necessary for me to accurately report any canceled debt income to the IRS. 

XXXX XXXX XXXX of XXXX : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

Account Name : XXXX XXXX XXXX XXXX Balance XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX # XXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$15000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$520.00} XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$560.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$980.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$770.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im filing this complaint regarding the inaccurate reporting of an account by XXXX XXXX XXXX  ( Account Number : XXXX ) on all three major credit reporting agencies specifically these : XXXX, TransUnion, and XXXX. ( and others ) Key Issues : Failure to Report the Sale of Debt : XXXX XXXX XXXX  sold this debt to a third-party collection agency, XXXX XXXX XXXX XXXX However, the account is still being reported by XXXX XXXX XXXX  as an active charge-off with a balance of {$460.00}. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), which requires creditors to accurately report the sale of a debt.

Inconsistent and Inaccurate Reporting : There are significant discrepancies in how this account is being reported across the XXXX credit bureaus. The credit limit and balance usage are inconsistent, and the account status and payment history are inaccurately reflected. This violates FCRA Section 609 ( a ) ( 1 ) ( A ), which mandates that all information must be accurate and verifiable. 
Failure to Conduct a Reasonable Investigation : I have disputed this account multiple times, and each time it has been verified and updated without any substantive changes. This suggests that XXXX XXXX XXXX  and the credit bureaus have not conducted a proper investigation, as required under FCRA Section 623 ( b ). 
Legal Violations by XXXX XXXX XXXX : XXXX XXXX XXXX is sending me collection notices for this account despite the ongoing disputes and inaccurate reporting. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 2 ) ( A ), which prohibits the misrepresentation of the character, amount, or legal status of a debt. 
Impact : The continued inaccurate reporting of this account has caused significant harm to my XXXX XXXX and overall financial well-being. The emotional distress and financial damage Ive suffered due to this ongoing issue are substantial.
Consumer complaint received 2024-08-22
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)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2024-08-22
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX # XXXX -Balance XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$380.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$910.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$2400.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Balance XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1700.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$870.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$4200.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$360.00} XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$350.00} -Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$140.00} XXXX XXXX Account Name XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$1400.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX