davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERIS BANCORP (FL)

For Ameris Bank : Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states : I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX reporting is both INCOMPLETE and INACCURATE. 
TransUnion has XXXX XXXX ' as ' {$3100.00} ' although it is ' {$3400.00} '. 
TransUnion has 'Payment Received ' as ' {$0.00} ' although ' {$1500.00} ' was paid. 
TransUnion has 'Balance ' as ' {$0.00} ' incomplete. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INACCURATE. 
TransUnion has the 'Terms ' as XXXX months although the term is XXXX months. 
( see attached proof ) US Bankruptcy Court Docket # XXXX reporting is INCOMPLETE. 
Transunion has the letters of the docket number missing. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I made my regular payment ( to bring the account balance down to {$0.00} ) in XXXX on my Kohl 's XXXX XXXX, and Kohl 's proceeded to return my payment AFTER the XXXX day mark, and not notify me. I was notified by my credit monitoring service. Due to this, they have marked me as late by XXXX  days on an otherwise perfect payment history on the account. Reaching out to the company and credit bureaus has ended with nothing being done.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

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 a account without my written instructions please remove this from my credit due to my person right
Consumer complaint received 2022-06-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file.

I am asking for TransUnion to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Consumer complaint received 2022-06-26
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: BARCLAYS BANK DELAWARE (MA)

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX BARCLAYS BANK DELAWARE Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Consumer complaint received 2022-06-26
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. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft Report
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, otherwise known as XXXX XXXX XXXX, and I am writing your agency in response to an inaccurate credit reporting on XX/XX/2022. I received an XXXX XXXX communication from the XXXX mobile app which notified me that my FICO score has decreased by XXXX points. After careful review of my consumer report, it is not clear any derogatory credit transaction or account should have negatively impacted my credit rating in such a drastic manner.
Consumer complaint received 2022-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP (FL)

On XX/XX/XXXX, i got a letter in the mail that stated a Debt Collecter XXXX  XXXX XXXX known as Mandarich Law Group filed a lawsuit against me. I called that exact same day and worked out an agreement and payment plan with one of the agents there to at Mandarich Law Group to pay {$120.00} until the debt is gone. The agent did say that the first month will be {$88.00} due on the XXXX every month which the first month is paid already and then down the line it will be {$120.00} every month due on the XXXX. 

Mandarich Law Group stated that they also will send an agreement letter to my house overviewing the payment options and payment dates. The agent did mention i would need to sign it and either mail, email or fax to Mandarich Law Group.

The agent also stated once everything is signed and looked over the attorneys at Mandarich Law Group will look it over and stop the lawsuit. 

The amount owed on my account is {$4200.00}.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I have a complaint with SYCB/Sam 's CLub Dual CC. On XX/XX/XXXX a payment was made made online for {$2000.00}. ( SYCB/Sam 's Club said they didn't receive it. A dispute was opened. Our bank sent a confirmation that the {$2000.00} was paid. It was 3 months until they found the payment. ( charging me interest and late fees on the amount while it was in dispute ) On XX/XX/XXXX, I spoke with a representative and she confirmed they had the payment. I asked her what the remaining balance was. She stated {$390.00}. I paid her online for that amount to pay it off. 
I received an online bill via email on XX/XX/XXXX stating that I have a balance of {$2000.00}. No explanation- just a bill. I called on XX/XX/XXXX to question why I was receiving this {$2000.00} bill. I was told that I was sent an email on XX/XX/XXXX explaining why the {$2000.00} was back on the account. ( after their review ) I did not receive the email and asked the representative to tell me why. She said she didn't know and the details in the email would tell me. She also told me that the dispute had been closed and I would have to open a new one.

I asked her to resend the email which has been 4 hours and I don't have it. The money has come out of our account, plus they have added late fees and interest on the amount. They have this payment and it's very disturbing to deal with this company. My credit score is excellent and my bills are always paid on time. I do not owe this {$2.00} again.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-06-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I am going through a divorce with my spouse, who is supposed to be making the payments by XXXX XXXX XXXX. He has not been following this obligation. I have received multiple communications ( excessive of 7 communications in a 7 day period ), this is simply a sampling from XX/XX/XXXX, but noticeably began in XX/XX/XXXX. When I spoke to the company representatives, they informed me that a full payment was required or there was nothing they could do to stop repossession or pull it back into good standing. They have also frozen my credit card account which has a {$0.00} balance, because this account is past due. These communications were from the Collections Department at Capital One for an Auto Loan on a XXXX XXXX XXXX, and were communicated as efforts to follow up and collect on this debt. 

Phone Calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call, XXXX returned call requesting no further contact by phone, email only. requested to speak with a supervisor on the call - declined, asked for email correspondence - declined, sought administrative assistance and the representative could not explain the definitions of " qualifying '' events or criteria. 
XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls. XXXX accepted, asked to stop calling and to email, XXXX call declined. 
XX/XX/XXXX - XXXX calls Emails XX/XX/XXXX XXXX XX/XX/XXXX x XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Letters XXXX correspondence in XX/XX/XXXX related to debt XXXX correspondence requesting I open new accounts, being " pre-approved '' Text Messages XXXX text messages plus auto responses Voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/2XXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/2XXXX XXXX XXXX XXXX AMount : {$63.00} XXXXXXXX XXXX XXXXXXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$170.00} XXXXXXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/20XXXX XXXX XXXXXXXX Amount : {$280.00} XX/XX/2XXXX XXXX XXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$320.00} XX/XX/2022
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (OH)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX apartments opened accounts for all residents with XXXX. This was not on the lease agreement I signed. Residents were not given a choose to opt out. I did not create this account and did not want my private information shared with XXXX. They are now on my credit report. I would surely think something like this should be illegal. Apartment complex says I must contact XXXX. Not possible to talk to human. Apartment manager even tried. Tried the email address XXXX gave for help, it was undeliverable. I am very concerned about this.
Consumer complaint received 2022-06-26
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)

I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXXt. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history.

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.
Consumer complaint received 2022-06-26
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. (PA)

I have served my country for the last 30 years as a XXXX  military XXXX and a XXXX XXXX XXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly XXXX points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.
Consumer complaint received 2022-06-26
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 — Investigation took more than 30 days
Company: Onity Group Inc. (FL)

I had a mortgage, there were XXXX accounts attached to XXXX from the beginning.then I refinance it, but only XXXX mortgage was refinanced.i had stop the auto pay, as the requested.then I was reported to the credit bureau as a late payment in 2017, XXXX, XXXX. First, the mortgage company never told me that there erred only doing XXXX. Found out after all was done. Then the second account was left on its own. The second account reported.me to the credit bureau because of the late payment. I been battling this for years.i had auto pay, through out the rides I had a mortgage.never was I late. The send mortgage, did not care.i even paid it off.i was single back and forth with both companies.i work hard, and paid my bills, I have never been late, this was an issue of them!! Why would I be late? I had auto pay.they cancell it, cause they said it should be done. You will see in my docs. The date, time, of mortgages, and credit reports, which shows the time line.furthermore, I had fraudulent credit cards being applied on my behalf.thats the reason I had those reports.in it, shows all payments, the both mortgages, and my auto pays. It's incredible what they have done ro me.but now I'm tired of no one helping, and so., I'm doing this compalint.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.