davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my XXXX report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX  reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. Experian does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to Experian, XXXX, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with Experian, XXXX, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for XXXX  to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIRST HERITAGE CREDIT LLC (MS)

At approximately XXXX XXXX on Thursday, XX/XX/XXXX I was at my place of busines which was not open for business and the manager at 1st heritage Credit ( XXXX ) he knocked on the door and my manager let him in he introduced himself to her as a welcome to the neighborhood and then walked past her to me and began to collect on my account. I informed him that I did not think this was legal coming into my place of business and he said it was and that he wanted to make payment arrangements or he would take me to court I advised him that I am filing bankruptcy and my attorney would contact him and he continued to collect and urged me to continue to pay outside of my bankruptcy. He did not ask me to verify who I was all he did was call me by my first name and I responded. He continued to collect in front of my peers as well as a passer by who stopped in the office. After multiple attempts of me telling him to please go though my lawyer he finally left. My business was discussed in front of many people. It was both unprofessional and embarrassing. I also believe this is close to harassment. I specifically asked if this was legal, as I know it is not, and he continued to berade me in front of my peers.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for Capital One XXXX XXXX. Please investigate and provide proof of statements showing that this payment was late. If proof cant be provided, I demand this payment be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I was charged a late fee for charges that I was not aware of on my card. I thought I had a {$0.00} balance because I had paid off all of my purchases but then a month went by thinking there was no balance and it turns out there was a balance so I was being hit with late fees for several months before I realized it. I was always on time with all of my payments and this is hurting my credit report. I closed the card because it appeared as though they were charging me a fee that I was never made aware of and since I didn't know there was a fee it made my payment late. The company is XXXX. And the late payments are showing in XX/XX/ 2017. 

I have gone through XXXX to try to resolve this and also talked directly to the company and they said that there is nothing they can do because I closed the account.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (GA)

American Accounts Advisors Inc. Is incorrectly reporting 5 collection accounts to the credit bureaus. 3 are in the amount of {$50.00}, 1 is for {$44.00}, and the last is for {$14.00}. They were all opened on XX/XX/XXXX, yet i have never received a notice or a phone call. They have also falsely reported the {$50.00} 3 times, which is an error. They most recently fraudulently reported this information on XX/XX/XXXX.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK has a misleading promotion, claiming new holders of the Chase Sapphire Reserve will be given XXXX bonus points if they spent {$4000.00} or more in the first three months. I have never owned a Sapphire Reserve card before. When I called to apply for the Chase Sapphire Reserve card, they did not tell me I was not be eligible for this benefit, but they gladly allowed me to agree to pay a {$450.00} annual fee. Chase claims the Sapphire Preferred card I had was the same account - and the reserve is just an upgrade - and therefore I am ineligible for the bonus points.
No where in the promotion details does it say Sapphire Preferred card owners are ineligible for the bonus. When I spoke with a represen tative inquiring about the Reserve ca
rd, no one told me I would not be eligible for the promotion. My Sapphire Reserve is a new credit card to me. Which is what the language below says. They did not tell me it was going to the same account. I had no expectation that it would be. " XXXX Bonus Points This product is not available to either * ( i ) current cardmembers of this credit card, * or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$4000.00} or more during the first 3 months from account opening. '' I changed my behavior, chose to use their card over other benefit cards with the expectation that I was going to earn this reward. They got my annual fee, I have spent well over the minimum in the first three months. Now Chase has informed me I will not be given the XXXX bonus points. I have escalated this with Chase as far as I can, but they will not give me what I 've paid for and earned.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I requested my credit file on XXXX XXXX, 2017 and found several mistakes. Some of which I was unable to dispute online because there is no option. 1. My employment information had n't been updated in 3 years. 2. None of my previous employment was listed except for 1 item. It shows that I only had 1 job. 3. My current and prevous address are mismatched. There is no way to request a dispute for that to correct it. 4. Items that are paid as agreed with no past due or {$0.00} balance are listed as negative and not paid as agreed. Again another item for which there is n't a good way to dispute.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

The scam was made through XXXX account. First a wire transfer from my WellsFargo account to XXXX from there this person was able to transfer all my funds to his account to a dark website which I tried to transfer back to my Wells Fargo account but it was unsuccessful. I filled out a form online given by XXXX after I reported it the fraud. I realized right away something was not right when I check my XXXX  account and my balance was of XXXX USD. Total amount transferred was XXXX which only XXXX USD I was able to get back.
Consumer complaint received 2018-03-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc (GA)

I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by XXXX XXXX insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, XXXX XXXX is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that XXXX XXXX is responsible for my claim. I am not responsible for this balance because payment was made to XXXX from subrogation of XXXX XXXX. The damages handle between the two parties was based of the information submitted by me to XXXX
Consumer complaint received 2018-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I wire transfered {$5900.00} to my USD account of Coinbase in XX/XX/2018. Then, My coinbase account has been locked until I can complete the identity verification, which includes my name, DOB,  personal address, my occupation and last four of my SSN. Since then, I can't buy, sell, withdraw money, or even close my Coinbase account. The reason Coinbase gave me is that they need to verify my Personal Information and SSN. So I verified my CA Driver Licence and tried several permutations over 2 months and failed over and over because Coinbase says my ID can not be located. Then I requested to close my Coinbase account for getting my money back but failed to close the account. I have sent several emails and submitted many requests and the customer support did nothing and even disappeared after I showed my account 's problem. I still have that {$5900.00} locked up in my Coinbase account and can't touch or withdraw it.
Consumer complaint received 2018-02-08
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. (NY)

Experian has not provided any contacts, signed contract, sources or verification methods as required under the FCRA for an item I have disputed several times. Even though on different occasions I have requested such information, Experian, continues to ignore these requests and reports the now outdated account as verified. This account is not only erroneous but according to their reporting, as of XX/XX/2018, the account is now over 7 years old. This account is not only erroneous but is also outdated and should be deleted immediately.
Consumer complaint received 2018-02-09
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: EQUIFAX, INC. (MI)

Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX credit report in the amount of {$1500.00}, and also on my Equifax credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
Consumer complaint received 2018-02-09
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: Ability Recovery Services, LLC (NC)

Back in XX/XX/2017 ARS ( Abilty Recovery Services ) for XXXX XXXX was deleted off of my XXXX report because I had never attended school there and this was a fraudulent account. Today I received an alert from XXXX   monitoring as well as XXXX stating that this account was back on my report. Ive nevee received notification from XXXX  advising within 5 days that this account would be Inserted back on the report. According to FCRA SEC 611 The reinsertion restrictions of section 611 ( a ) ( 5 ) ( B ) apply only to those situations where a dispute was resolved with a determination that the information was either incomplete or inaccurate or if the accuracy of the disputed information could not be verified as accurate at the time of the dispute. 
Information for which the accuracy was disputed and was not verified at the time of the dispute remains challenged, unverified. 

Im requesting that this account be removed from my XXXX report.
Consumer complaint received 2024-08-30
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. (GA)

XXXX agency if the person knows or has reasonable cause to believe that the informatioIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.2. Account : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, has violated my rights. 

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. 

15 USC 1681 Section 602 A. States I have a right to privacy 15 USC 1681 Section 604 A. Section 2 States a consumer reporting agent can not furnish my account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer repon is inaccurate.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I have contacted them repeatedly to get negative past 30-60 days late off my credit report. I have paid on-time and have never gone past 30 days. They will not look at it or help me with anything. I was also part of the XXXX  scam and I had charges on my credit card that were not mine and so I had balance that was not mine and they did not remove it.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NV)

I was a XXXX customer using their data service all of XXXX with no issues of payments at all, my bill was about $ XXXX I finished my relationship with them, both sides had satisfaction as nothing was owed. I completed my last payment in XXXX and moved to phone carrier XXXX. But recently I missed a few good benefits being a XXXX customer so I decided I'd switch back, this is when the problem was brought up. I entered a XXXX store sometime in XX/XX/XXXX for them to tell me they couldn't service me until a debt owed to a collection company was paid which happened to be Diversified consultants inc. I asked them how was that possible when I paid all of my months of phone service, never late, no issues or anything and the clerks in the store could not tell me how as they said my past account was handled by a different company who they no longer do business with and they had closed my account and sold it off to diversified as charge off debt. So XXXX even though they were the original creditors, could not verify or explain this random debt, only gave me info to contact diversified in which I did, when I did they asked me several different personal questions to they had everything about me except my physical i.d lol and they just said they'd send some account info through mail. I received their mail and it is very vague, no explanation of debt what so ever. It only shows a few different lines and a few different numbers, and random dates. It goes from a balance due being {$150.00} to {$230.00} to {$290.00} to now {$290.00}. This company has literally claimed a XXXX XXXX customer to be delinquent and created their own timeline and numbers then received a call from me because I caught onto the fraudulent act, only to ask me a series of personal questions so they could secure enough up to date personal info on me to place a debt on my credit report. Well I happen to have excellent credit and I have 5years history of onetime payments and no negative activity what so ever. The debt they seek of me is puny in regards to my funds in my bank account and credit card limits but its the injustice of it all, it's the principal, I will not let allow some scam company to bully me into giving them money I don't owe them. Failure on their behalf to provide a copy of any alleged original contract or other instrument bearing my signature with the particular debt in question of fraud, will result in a small claims action against their company. I will be seeking $ 5,000+ in damages for the following : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Reporting Act
Consumer complaint received 2018-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XX/XX/XXXX Indiana XXXX XXXX Indiana of XX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

" 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 Bank account [ XXXX ]. 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 2017-08-11
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. (TX)

Time after time I have submitted a dispute about a fraudulent account on my credit report from Transunion about XXXX XXXX. I have disputed and had the account removed from both XXXX and XXXX but Transunion fails to remove the account no matter how much I try. The account was unable to be verified through XXXX and XXXX which is why it has been removed. I need this account removed from Transunion ASAP as it is hindering me financially.
Consumer complaint received 2022-10-25
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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