davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/18 and a couple times before I received a call at my work number for my Bank of America Secured Mastercard. I advised they are to call the cell phone on my account. Then on XX/XX/18 they called again and after verifying the account I told the agent that I never gave authorization or that I never stated my work number as my primary phone contact number. The agent advised needed to make a payment on my credit card I advised to call back on the next day as I'd have funds available to make the payment. He said he would he also said that he would update the numbers on my account. I work generally between XXXX so calling my work number wouldn't be a good contact. Also I applied for the secured card inside the Bank of America app which I had for my regular banking and savings and on those accounts they have my cell phone XXXX as the regular contact. I had missed a couple payments and I didn't know the account was in jeopardy of closing. When the man called on XX/XX/18 he didn't even advise the account had closed on XX/XX/18. I had missed a couple statements. The bank advised their primary contact is the mail. But it was also on them to have the right phone number. I get calls from the regular banking side on my cell of XXXX regularly but I never did for the secured card but they were created in the same BOA app. If they had been using the correct phone number I could've been made aware and made a payment to keep the account open. Summer months are often tougher bill wise so I had fallen behind. But BOA being a major bank and all I would've if called on the right number did something to get that payment in. I personally think they should reopen the account and let me continue and it's then on me to get that {$130.00} caught up on the account. If not then they should at least remove it from my credit report and send me my collateral of {$300.00}.
Consumer complaint received 2023-02-13
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)

The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


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. 

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

I have XXXX vehicle accounts with ALLY, XXXX on a XXXX XXXX XXXX and XXXX on a XXXX XXXX - XXXX where I receive bills on both including in XXXX envelope on a monthly basis. In the past I would send on XXXX cashier 's check or money with the sum combined into XXXX to make payments on both vehicles. This frequently resulted in ALLY 's staff placing the total payment on XXXX vehicle 's account ; then making it appear as if I was not making a payment on both vehicles. To " try '' to resolve this issue I then started sending XXXX separate cashiers ' checks or money orders, XXXX for each vehicle, when making my payments. This apparently has not resolved the issue as the aforementioned mistake as it occurred again as recent as XX/XX/XXXX and again for last month payment ; and resulting in a mistake for this months payment where I have been sent a bill stating I owe XXXX payments on my XXXX XXXX ( Acct # : XXXX ) in addition to a late charge fee and I owe XXXX on my XXXX XXXX XXXX ( Acct # : XXXX ). I called ALLY 's Customer Service telephone number ( XXXX ) only to be provided erroneous information which is the reason I am contacting the CFPB for assistance as I view this as fraud on the part of ALLY. Note, that I have proof of all of the transactions, to include : copies of ALLY 's bills and copies of the cashier 's checks/money orders.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Case number : XXXXXXXX XXXX XXXX case number : XXXX RE : Non-Compliance with Section 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally address Equifax 's failure to comply with Sections 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act ( FCRA ), following the submission of my signed, dated, and stamped self-attestation form from a recognized XXXX. While both XXXX and XXXX have honored my request and successfully blocked the identified adverse items of information from my credit report, Equifax has failed to take similar action, resulting in discrepancies on my credit report. 

Section 605 ( b ) of the FCRA clearly outlines the prohibition against the continued reporting of adverse information when certain conditions, such as the provision of a self-attestation, have been met. Despite my compliance and the submission of all necessary documentation, Equifax has not fulfilled its legal obligations to investigate and block the inaccurate information in question.

I demand that Equifax immediately correct this oversight by removing the identified adverse items from my credit report. Failure to comply with the legal requirements under Sections 605 ( b ) and 605 ( b ) ( c ) places Equifax in violation of the FCRA, and I reserve the right to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I expect written confirmation that the discrepancies have been resolved, as well as an updated copy of my credit report, within 4 days of receiving this letter persuant to section 605b and 605 ( b ) ( c ) of the fair credit reporting act Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2023-03-10
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-18
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: Sequium Asset Solutions, LLC (NV)

Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XXXX XXXX. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact cox to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As per guidance from the consumer financial protection bureau, the document needed and letter from an advocacy group helping me due to human trafficking, dead bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ) ( 4 ) -5 - - 1002.142 ( b ) ( 7 ). I kindly request that you block his information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. I am a victim of human trafficking Of debt bondage and would like for all listed accounts to be blocked and deleted company information Trans Union. Please delete the following accounts. XXXX XXXX, XXXX {$1900.00}. XXXX, XXXX {$1000.00} XXXX balance {$550.00}. and XXXX, XXXX {$8300.00}
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX XXXX issued a quote to me via XXXX for {$260.00} for a car rental from XX/XX/XXXX to XX/XX/2022, in XXXX. I placed a reservation based on this quote. The quote neither included insurance nor mentioned that it was mandatory. When I was renting the car on XX/XX/XXXX, XXXX coerced me into buying insurance refusing to rent me a car otherwise. I did not need this insurance because I already arranged it through a third party ( American Express XXXX ). However, I needed a car and had to agree to the coercion. Accordingly, I disputed the insurance charge of {$130.00} ( a part of XX/XX/2022 total of {$390.00} ) with my credit card company American Express but they insisted that the transaction was valid. I believe XXXX cheated me into buying an additional product that they did not include in their original quote.
Consumer complaint received 2023-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: USCB, Inc. (CA)

In XX/XX/XXXX collection company USCB slapped a collection account on my credit report after no attempts to collect from me for almost 3 years. The previous attempt at collection was last noted in XXXX of XXXX. These were originally reported delinquent in XXXX and XXXX, but I need proof of the original tdebt to understand what all these charges are for, exactly. 

I am working with a credit repair company, XXXX XXXX, that cant seem to locate the original debts. It is my understanding that the collection agency must show proof of the original debt in order for this to be legitimate. I am willing to try to settle this and make payments on the account, if legitimate, I want the XX/XX/XXXX reporting of collections to be removed though, since they havent attempted to collect a dime from me for almost 3 years. 

I have attached copies of these debts from my credit report obtained by XXXX XXXX.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Citibank N.A. issued a refund check on XX/XX/2018 for {$600.00} due to flaws in their methodology. They failed to review my account and issued a retroactive check. I called 6 times and I could not get an answer to the following questions : 1 ) What APR was used to issued the refund? 

2 ) Why has my APR not been lowered, currently at XXXX % The letter clearly states " Please note that Citibank NA has corrected the APR on your account '' I honestly believe Citibank continues to be in violation of Regulation Z, plus they are also not disclosing the APR used to calculate the refund.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (NV)

On XX/XX/XXXX, I called XXXX and spoke with a male representative. I had already closed my account and so I asked the representative how much I owed XXXX, and I was quoted XXXX dollars. I paid this amount in full and I have a proof to prove this claim which I will include in this report. I asked the representative if I would owe anything else after this charge as I did not want XXXX to report negatively on my credit report. He answered no and reassured me that that was the last and final charge. 

However, this was not the truth as on XXXX of XXXX, XXXX sent a debt of XXXX dollars to a collections agency. I want to once again repeat that I was given no notice that this debt was owed on XX/XX/XXXX when I explicitly asked, the debt amount was falsely reported to me by their representative. Not only this but XXXX made absolutely no attempts to notify me of this debt- not by phone call, not by email, not by letter. I did not find out about this debt until months later when I received a collections notice by a third party company they sent the debt over to known as McCarthy Burgess & Wolff. On XX/XX/XXXX I paid a total of XXXX dollars to McCarthy Burgess & Wolff. 

On XX/XX/XXXX I spoke to a McCarthy Burgees & Wolff representative who informed me in order to remove the collections from my credit report I would need to speak to XXXX. After many transfers I finally reached a manager at XXXX. I explained how the XXXX representative had misrepresented my debt and the manager indifferently informed me that XXXX and McCarthy Burgess & Wolff could do nothing for me to correct this error on their behalf ( that will now impact my credit score for years to come if not corrected ). I have had my rights violated : specially the fair debt collection act clause 807 that states that debt amounts can not be misrepresented to consumers. This needs to be resolved or I will take legal actions against both XXXX and McCarthy Burgess & Wolff.
Consumer complaint received 2018-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

First, about a month ago, AES charged me {$4000.00} in interest for ONE day and they also would not help me change my due date to better suit my paychecks. Then they negatively reported my account to the credit bureaus. After reporting them to the XXXX, they fixed it. 

Now the payments are due on the XXXX of each and every month. This past XXXX (XX/XX/XXXX ), I noticed my payment did not come out of my checking account NOR did it post to my account on AES. When I checked to make sure that no payments were pending, I made a payment as a warning on my account said the payment was due and late. Note that I believed I had a direct debit set up but their system said I did not. So I made a payment. I then checked the next day and it now showed two payments ( one on the XXXX and one on the XXXX ). I called them and complained and said they needed to return one payment and I told them the problem and they said " there is nothing they can do and it would take 30 days to return my money ''. This is NOT ACCEPTABLE. This loan company has been XXXX  me over for a long time.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (IN)

On XX/XX/XXXX, I applied for an apartment and got denied due to charges from a previous apartment that I was co-applicant on back in XXXX being on my credit. I never received any notice from the apartment complex, not the collection agency in regards to thee charges. Needless to say, these charges have now accumulated almost {$2000.00} in fees with this collection agency. I contacted the collection agency ( the apartment that ran my credit gave me ) to find out from their representative that they show in my file that I was never contacted and they never tried to contact me. My phone number has not changed. The address they have on file is my mother 's address, which I have been home to see on numerous occasions and had no mail from neither the apartment complex, nor collection agency. So, the collection sends me a break down of the charges. The dates and fees do not make any sense. If I gave notice on XX/XX/XXXX, and my move out date was XX/XX/XXXX, why are there legal fees charged to the account on XX/XX/XXXX. There are charges of written fee and certified letter ( that was never sent cause collections already confirmed that no one tried to contact me ). Also, there are charges for water for XX/XX/XXXX, rent ( vacant rent charge ), washer/dryer, and trash removal for XX/XX/XXXX. How are these charges legal charges when notice was given on XX/XX/XXXX for move out on XX/XX/XXXX. Now they are stating that if I pay half of these charges, they will give me a letter stating that I am paying so I can give to the apartment complex I am trying to get into now, but these charges are not truthful.
Consumer complaint received 2024-10-07
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: ALLY FINANCIAL INC. (TX)

I am submitting this response to Ally Financials handling of Complaint # XXXX regarding the inaccurate reporting of account XXXX. Ally 's statement that they do not control how credit reporting agencies report or score information is not in line with FCRA regulations, and a court would not view this interpretation favorably. 

Additionally, Ally Financial violated UCC procedures during the repossession of my vehicle, which has caused me direct financial harm. The repossession was unlawful, as Ally lacked the present right to repossess, violating 15 U.S. Code 1692f ( 6 ) concerning unfair practices. 

Furthermore, Ally Financials ' business registration in Texas is inactive, and their right to transact business has been forfeited. Without legal authority in the state, Ally can not legally report debts to credit bureaus. I have attached the business entity search for reference. 

Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies. Please consider this a formal request to remedy these unlawful practices before I take legal action.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (IA)

False court records and XXXX XXXX XXXX XXXX XXXX for my background check keep coming back with false information for every employer that submits a background check for me. The issue is that there is a person that lives in Connecticut that has my same exact first, middle, last name an data of birth. 

A simple review of the background check shows that this person lives in another state when reviewing the address verification information on the background check. ( See attached copy ) I have all email correspondence with HireRight along with Email and phone correspondence with XXXX XXXX. 

XXXX XXXX Hire Right
Consumer complaint received 2023-02-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.