davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX BANK NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/year> there was a withdrawal of {$3200.00} on my account that I didnt even withdraw and I called the BofA customers claims department and filed a claim about it, they said they will still investigate the claim. They have not even gave me a provisional credit because I have an emergency today and I needed that money back! Customer Service also is not even that friendly on approaching me!
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc. (TX)

So Hi my name is XXXX XXXX and Metro Collections SVC XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX just reported this XX/XX/XXXX XXXX was way back in XXXX XXXXThe landlord and I had gotten into it and she callled the cops on me and there was a report made and the cops knew they were wasting their time talking to me about what she reported.So she kicked us out because she didnt like us and I didnt have money or know what to do so we just just let her kick us out to avoid further problems.And now shes put it on collections and is ruining my credit after she illegally kicked us out because she didnt like us.Im unsure of where to go about this but its messing up my credit and collections and its completely wrong and disrespectful after she illegally kicked us out that shes doing this to us.Im at a loss and dont know what to do PLEASE HELP ME!!!
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the
date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AL)

I am submitting a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which restricts when and how companies can access my credit report. Below are the details of each unauthorized inquiry, including the company name, date of the inquiry, and actions taken so far. 

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Unauthorized Inquiry : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXX XXXX conducted a credit inquiry on my report without my authorization. Under FCRA, 15 U.S.C. 1681b ( a ), a company must have a permissible purpose to access my credit report. I did not apply for credit or give permission for this company to perform a credit check. This unauthorized inquiry has caused damage to my credit score and personal financial reputation. 

I have contacted DISCOVER FINANCIAL SER on XX/XX/XXXX to request the removal of the unauthorized inquiry, but as of today, I have not received any resolution. The company 's actions ( or inaction ) are negatively affecting my creditworthiness and are in direct violation of federal laws governing credit inquiries.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TN)

SoFi bank placed an automated suspension on my Checking & Savings account because of " suspicious activity ''.

I have an external account attached to SoFi for transfers that would automatically appear when sending money. Thus, by error, funds NOT in the external account we're being sent.

The external account has been disconnected on my end, and when reaching out to SoFi was told an " indefinite time '' when it would be removed.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (MD)

Identity defense informed me of a new account I opened and shows up in my Credit report for XXXX. After checking, I concluded it wasn't mine. I did not open one and no card was sent to me. I've told them to close the account but nothing has happened. It Say 's it's from Comenity bank. I don't know them and have never dealt with them.
Consumer complaint received 2022-12-03
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (FL)

There trying to say we owe them money when I have a letter that say we owe them nothing if they sell the truck for less I got the letter on XX/XX/year> they sold the truck some time after XX/XX/XXXX it say in the letter that if they sell for less we owe nothing I have talk to a lawyer if they dont stop reporting it and the stop saying we are months behind when truck was sold in XX/XX/year> after sold it was balance XXXX if they dont stop and honor the letter in the next 30 days I will have my lawyer to start a law suit against them the letter clear states we OWE them nothing if the sell it for less then what we owe if they sell it for more they will send us the difference Thank you XXXX XXXX
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (SD)

I've become 2 months behind through no fault of my own. 
Before a computer error interrupted my on time payments. 
I called One Main with hopes I could. 
A ) get my monthly payment reduced B ) due date changed to the XXXX of each month. 
Instead I get threatened with repossession and a demand for XXXX payment. 
The vehicle is almost XXXX XXXX XXXX and it has XXXX miles. 
The total I am paying with interest is XXXX which I believe is kinda high.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

Requested validation of the debt from the original creditor 12 total card XXXX XXXX XXXX  to which now Lvnv funding llc the debt buyer have been reporting the open account open and active since the purchase to which 12 total card XXXX XXXX XXXX  have charged off and closed the account prior selling it to Lvnv funding llc
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (GA)

I made a purchase through XXXX, using my XXXX financial line of credit in XXXX of XXXX. I made two payments towards this item, once in XXXX of XXXX and another in XXXX of XXXX. The payment in XXXX was the full balance owed for the purchase - completing the agreement. I have attached a statement below, showing this payment being made in XXXX of XXXX. 

I wanted to make sure I understood how to direct the funds towards the correct purchase, so I called on XX/XX/XXXX and completed a smaller payment. I have attached the email I received confirming I performed the action correctly via phone call. 

I was told XXXX ( the same call in which I paid the full amount owed ) that the item was fully paid off and I did not have anything to worry about. 

On XX/XX/XXXX, I was charged {$450.00} in interest due to not paying off the item before the 12 month deferred interest had ended. This was news to me, because I paid this off almost a year ago ( XXXX, XXXX ). 

On XX/XX/XXXX I sent a message through the secured message center on XXXX XXXX XXXX website ( XXXX XXXX is now Comenity Bank ) asking for assistance due to the error in interest charged. 

On XX/XX/XXXX I received a message back informing me there was no error and to call customer service for more information. 

On XX/XX/XXXX I called customer service and was told it was MY fault, because I didn't understand how to make the payment over the phone- this is laughable, because as you can see in the email attached below, It's not rocket science. I had already made a payment and directed the funds towards specific items. The manager I spoke to on the phone told me they needed my inquiry in writing before they could help me. I informed her I had already sent a message to them via " Secure Message Center '' on their website and was directed to call. I was then told to submit a new message- which I completed. I informed the Manager that they have the call recording of me being told the amount was paid in full and she can review the call to confirm. She told me that she had the call but could not help me. 

This is unethical, immoral, and terrible customer service. I am being asked to pay {$450.00} for a mistake made by THIS company. I do not miss payments and I've had this account for years and done thousands of dollars of business with them. I feel like I'm being stolen from and they are not willing to help me. 

Please contact me as soon as possible so we can correct this error, that's all I'm asking for. 

XXXX XXXX - XXXX XXXX,
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (WA)

2023 was when the ID theft started. have been trying to handle this for awhile and no resolution. 
they will not take the necessary steps on their end to remove off credit report. 
the debt owed is {$320.00}
Consumer complaint received 2024-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I received a settlement check from my renters insurance regarding a fire incident that had occurred on my previous residence. I opened a new chase checking account so that I could deposit and withdraw my funds. I went in to chase and deposited my check on XX/XX/2024, I was also able to withdraw my funds the very next day on XX/XX/2024. A couple days later I receive a message from chase bank saying that my account has been restricted due to fraud activity on my account. Previous to that I had received a {$900.00} dollar XXXX payment from my coworker this was before they had sent me the message regarding my account being frozen and restricted. I have tried plenty of times on contacting costumer support and helping them with getting my account unrestricted. My account became restricted due to the settlement check in the total amount of {$11000.00} not being able to be verified by the chase bank. But I have already received the funds that means that the settlement check had been verified already if I was able to withdraw the money. I have given them several numbers to call to get the check verified but they keep telling me that none of those numbers are in their systems I have spoken to my insurance agent and she has personally told me that they have to call the number that I have given them so that they can get the check verified. But they keep disregarding the numbers I give them and keep looking them up on their system. But those are not the correct phone numbers to the company to get the check verified. I just want my account unrestricted so that I could get my {$900.00} dollars because due to the fact that it is restricted I cant withdraw my money or anything and XXXX in need of that money because I have bills to pay. They told me that I could lose my {$900.00} dollars because they are going to close my checking account which I dont find fair I have been trying to help them get in contact with my insurance agent and insurance company so that they could verify the check and I could get my account unrestricted.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 REPOR
TING 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  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 in 60 days 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. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 8
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AL)

XXXX, XXXX, and XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as XXXX  days late in XX/XX/year>, XXXX is reporting me as XXXX  days late in XX/XX/year>, and XXXX is reporting me as XXXX  days delinquent in XXXX and XXXX  days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.