davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (NC)

I rented an apartment from The Avenues at XXXX XXXX. I moved out and to NC in 2016. I gave a 30 day notice in writing 3 times because they kept losing it. I had the apt professionally cleaned and turned everything in to the office. A year later, rent debt automatic collections, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX begins collections for {$6500.00}. I disputed it on my credit report twice. Ive called The Apartments at XXXX numerous times, have left voice mails and have never been called back. I do not owe this apartment complex any money and want the resolved and off of my credit report immediately
Consumer complaint received 2019-02-21
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. (FL)

I sent in 3 letters with documentation to have incorrect information removed from my report that the legal officer on base gave me. I also received a letter from the XXXX county bankruptcy department in regards to a bankruptcy that doesnt belong to me and since it wasnt verified by the courts. I know there is no way it was verified properly. I asked the courts to have it removed and they told me since they didnt report it they couldnt remove it. So I sent the paperwork in to XXXX  and it is still reporting on my credit report after it was once removed.
Consumer complaint received 2021-11-27
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. (MI)

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 


Name of Account Type of Item Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with 2 different balances of high credit.

3. Account is reporting with 2 different dates of last activity.

4. Account is reporting 3 different dates of last payment.

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same.

Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report.

Please do not update or verify this information again without doing a due diligence investigation.

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary.

I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request.

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Attached : XXXX XXXX
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I had 5 credit cards with synchrony bank amazon that was opened XXXX pay pal that was opened XXXX Qvc that was opened XXXX XXXX that was opened XXXX care credit that was opened XXXX I was never late on any accounts and paid balances off early for some reason the company closed all accounts with them which caused my credit score to fall rapidly again I was never late and they closed account as soon as I paid the balance for no reason
Consumer complaint received 2021-11-27
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

every time that my insurance has policy is up for renewal I get letters in the mail saying that I have had an insurance cancellation so they send me letters saying they are going to provide me with forced insurance and that is when all the fun starts I have my insurance agent fax them numerous declaration pages they force insurance raise my payments due to the increase escrow needless to say I spend hours day after day only to talk to a different person each time who assures me that the problem is solved this started mid XXXX and it is now XXXX tired of all the calls and time only to get charged for both insurances and a high payment
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

To Whom it May Concern : My wife wrote a check to me for {$2000.00} ona starter check. I deposited the check via mobile banking. The funds were withdrawn from my wife 's account on XXXX/XXXX/XXXX. I received notification that a hold was placed on the deposit. Today, XXXX/XXXX/XXXX I called to find out the status of the deposit. XXXX at Bank of America, ID XXXX, told me, " There is only your name on the check, and an amount. We need to verify this check. We need to make sure its not going to come back for any reason. '' I asked, " You also have the payor 's name, my endorsement, the routing number, and account number. What needs to be verified? '' " The maker 's information. '' " You already took the money 5 days ago. You have the financial institutions name and numbers, what action can be taken to verify? '' " We will just wait until it clears by itself. Expect the funds on XXXX/XXXX/XXXX at XXXX. '' " No action can be taken, you basically gave yourself a loan for {$2000.00} for 10 days. '' " I will put in a request, but I ca n't guarantee that any action will be taken. '' This is totally unacceptable.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I opened auto loan with capital one auto in XX/XX/XXXX. Over the course of the loan I was charged interest and extra interest for extensions on the loan that was not disclosed to me. During my loan I had several mechanical problems with the vehicle my fifth year being the most costly .The car needed a transmission, computer and other repairs totaling over 7,000.00. I reached out to capital one in XX/XX/XXXX requesting assistance. I was told by the representative that I was unable to receive assistance unless my account was three months behind. My account was already one month behind at the time. She advised me to call back for a program around the 90 day mark. I called in to capital one in XX/XX/XXXX and I asked for available program and I was told that there is no button available for them to push for a program even though my account was three months past due as I was instructed to do by the representative I spoke with in XX/XX/XXXX. I asked to speak with a manager and I was also told that he could n't help me because my loan was at the end of its term and he also explained to me how the capital one system works and how they wo n't offer assistance and about their predatory lending and harsh practices. I called back again in XX/XX/XXXX to seek a remedy and spoke to several people and was later contacted by the corporate office and they failed to send me an email or place anything in writing or assist me with the matter. The young woman did offer to review the calls. I explained to the woman that she shouldnt call but place her findings in wtiting and she said she couldnt do that and that only her legal team could. The represenative called me back anyways after my request was for her not to because of previous issues, i declined to take the call and she refused to put her findings in writing. My account was charged off in XX/XX/XXXX and Capital one continues to bill fees and monthly payment amounts to the account without sending bills or notices which is a direct violation of the truth and lending act. Also contacting a customer when they have a non contact order on the account. I have tried to resolve this issue with the company and their refusal to update my account history and not assist with the loan, their violation of the laws is evident. I am left with no other option than to take legal actions if this matter is n't resolved.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors' Service Bureau of Niles, Inc (CA)

Another discrimination when they found out we're XXXX  and with unlawful detainer issue from our landlord who wrongfully evicted us and deny the federal help, we didn't get any chance to have habitable place to live, didn't return our deposits and credit check. {$260.00} for me and my wife {$120.00}, we needed that money badly I just wrongfully terminated.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MA)

I have had a fraud issue on my credit card starting on XX/XX/XXXX to XX/XX/XXXX. The current balance is now {$11000.00}. I have had this card since XXXX and have never had spending habits such as this. Many of the charges were made in RI. and I live in MA. I have not made any of these charges and have never stayed at the XXXX hotel or other hotels in RI. There were many XXXX and XXXX store charges as well as food purchases. 

I would like to get credit for all fraudulent charges as a resolution to this problem. 

I have contacted Discover 's fraud department 5 times and was continuously told it would take 90 days but nothing has been resolved. I was told the last time I called that they had matched my voice to a call which said to recharge my card for the XXXX charges but I never made such a call and now they are refusing to credit my account which they have now closed. This is affecting my credit score dramatically from XXXX to XXXX currently. I need help to resolve this as now I have and three late payments and the minimum payment is {$1000.00}. I should not have to and can not pay this as I am retired.
Consumer complaint received 2023-06-08
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$180000.00} XXXX XXXX, XXXX
Consumer complaint received 2023-02-24
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)

** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (NC)

Regional Acceptance is a charged off account back in XX/XX/2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.
Consumer complaint received 2023-02-24
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. (NY)

o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXXXXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXXXXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX XXXX XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX is a charged off account back in 2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.
Consumer complaint received 2024-09-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I submitted an application for a XXXX on XX/XX/XXXX. BofA website XXXX XXXX XXXX XXXXbankofamerica.comXXXX  ) states : Q : question : What interest rate will be applied to my CD? 
A : answer : Your CD account will be opened at the interest rate that was effective the day you submitted the form for opening your account. 

The 10 month CD rate was 4.60 % on XX/XX/XXXX, the day I submitted the form. My application was processed on XX/XX/XXXX and the XXXX rate dropped to 4.41 %. My CD has the lower rate and I would like the higher rate to which I'm entitled. 

I contacted BofA to correct this and they refused ( see attached letter ), stating the rate was as of the date the XXXX was opened, not the date of my application.