davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (FL)

I have been trying to months now to get a response from Comenity Bank on their internal process for freezing my accounts because they placed a " cease and desist '' on my account after I request they not text me about an account. I never once told them they could not call me, yet they continue to refuse to answer questions or respond to correspondence requesting additional information.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX is purposely keeping my credit score low by reporting my capital one auto loan that is paid off as past due. The account has been paid off since XXXXXXXX XXXX XXXX  and they repeatedly keepmarkinngit as not more than two payments past due when its reporting a XXXX balance. The vehicle was a total loss and completely paid off by my insurance company.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (VA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

Please reference previous FTC reports ( uploaded ). 

On XXXX I received an XXXX credit report notification that I had a change to my credit report. I logged in and my credit score had decreased by XXXX points as a result of a debt collection from JEFFERSON CAPITAL SYST PERSONAL STATEMENTS on behalf of XXXX XXXX  I have received NO notifications from this company to collect the amount owed for an account that is not mine. 


I spoke to XXXX on XXXX at XXXX XXXX and reported this account fraudulent. It was opened in TN. I have never lived in TN and can provide proof of residency for the last 10 years. I then received a debt collection notice in the mail from XXXX XXXX and reported it to the company that it was fraudulent as well as filed an FTC report then ( Report number XXXX ). Police report was filed in connection to this identity theft ( XXXX XXXX XXXX ) at that time as well. 

At this point XXXX XXXX has been harassing me since XXXX.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : 15 U.S.C. 1681 Section 602 A : I have the right to privacy. 
15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate. 
Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX  : Unknown. 
XXXX XXXX  XXXX XXXX XXXX Hard inquiry # 1. 
XXXX XXXX XXXX : Hard inquiry # 2. 
According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. 

I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-12
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. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

today is XX/XX/year> I closed the bank of america card a year ago, and just paid if off XXXX balance. 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of them.
Consumer complaint received 2023-02-17
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. (MS)

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation. 

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I would also like to remind you the out some of the Miller v. XXXX case that was settled for {$18.00} million in damages.
Consumer complaint received 2023-06-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (AR)

There are 2 negative remarks on my credit report by the same company and I have NO IDEA what it is!! 
They also called my younger brother to discuss this debt I know nothing about, which is illegal. They tried getting personal information and when I told them to stop contacting me because it is considered harassment they told me they can do whatever they like. 
They are looking for an " XXXX XXXX '' and that is not me, even when I tried telling them that it is not me. When I asked for proof of the " original documentation '', they denied sending it to me.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Basically Truist bank charged 2 Overdraft fees ( {$72.00} ) because Truist monthly maintenance fee was charged the same day I made the deposit to cover upcoming payment. The maintenace fee does not have a fix date go into my account ( it happen to be the XXXX XXXX ). The next day my car payment went in and it was 5 dollars short because of the fee charged the previous day. Also I understand that a maintenace fee can not generate a overdarft fee. Anyway I talked to the bank in person but they will not refund the fee. Also the next charge from XXXX XXXX does not have a fix day to go into my account and they process it on Saturday causing a second overdraft fee. I deposited {$240.00} cover all fees on Monday XXXX XXXX with the hope of getting the fees back. 
Truist bank does not notify when the maintenace fee is charged - XX/XX/XXXX, plus I was on vacation overseas, but still would have reacted an cover in time. 
Truist would not rerfund these fees ever. I work for Suntrust Bank and had a free checing account but they changed to whatever was convenient to them. I am a seniorperson and leave on a tigh budget. 
Please assist getting this refund
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Description of complaint : I am not liable for this debt with XXXX XXXX. I do not have a contract with this collection agency trying to collect and reporting this to my credit report. I did not sign any paperwork with this collection agency XXXX XXXX stating that I will pay them or owe any money. They did not provide me with the original contract as requested.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC (MI)

XX/XX/year>XXXX  received a letter from Roosen Varchetti & Oliver, PLLC, I again returned a letter XX/XX/year>XXXX  requesting a breakdown of the debt from the original creditor including principle, total interest, and total fees. XX/XX/year>XXXX  I received a response with the same paper work I have been sent already along with a state of ( Amount of original Creditor is not inclusive of Interest to Date )
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened an account with bank of america and funded it using my debit card from another bank in the amount of {$110.00}. The funding went fine then yesterday XX/XX/year> I get a notification from my app saying my balance is at XXXX. I logged into the account and see that a debit for {$110.00} with no information. I logged on today because I was told it would release by XXXX XXXX XXXX XXXX  and when I see the information on the debit I get confused and call the bank because what I see is this FUNDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. No one can tell me where it went and why it says XXXX XXXX. He is my husband and second account holder but still doesn't even have access to the account because his card is not active yet nor is his online banking nor does he have the account numbers yet so he did not transfer anything I know I opened his debit card and have it with me waiting to be able to activate it.
Consumer complaint received 2024-09-19
Product: Credit reporting 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 this complain I would like to refer PAANL ( Protection Against Non-Payment od Obligation Act. On my most recent credit report I noticed that my credit score went down and I don't even know the reason, but after reviewed I knew. XXXX XXXX with account number XXXX reported to Credit bureaus an inaccurate delinquency, by the way this is a double violation by Credit bureaus and the furnisher. XXXX XXXX has some issues with the payment processing and that problem had hurt my ability to obtain credit and my worthiness. I called the furnisher and they told me they have nothing to do in this case, thats why I am here submitting this complain directly to the credit bureaus, this attempt is the last that I will try, the first was with the furnisher, second with the Bureaus, next time I will file a small claim in the court seeking compensation for damage. 
I demand these payment be update to on time never late.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a debt to XXXXXXXX XXXX XXXXXXXX in the amount of {$1600.00} I called to pay it off as per my XXXX  company instructions to be able to qualify for a FHA loan. I contacted them and was transferred to their collections department and was offered a settlement and i agreed to the terms. I agreed to a settlement with a reduced payment of {$800.00}, to fully satisfy my debt and would have no further obligation to XXXXXXXX XXXX XXXXXXXX upon paying the amount agreed upon. 
I paid the amount and was given a letter stating the account was satisfied and I no longer have any obligations to XXXX XXXX. It has been almost 2 months since I paid the agreement. Transunion is still reporting XXXX XXXX  is still reporting my debt as derogatory and not showing the settlement. They also refuse to help every time I have called.
Consumer complaint received 2024-08-13
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. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XXXX, and Portfolio Recovery XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of Title to collect in this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof, these accounts should be removed from XXXX, XXXX, and XXXX immediately.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 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 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 XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with 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 in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 21 days before the payment due date. 


XXXX XXXXXXXX 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 21 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 XXXX
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (OH)

Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application.