davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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: DISCOVER BANK (NH)

I requested the release of all records when Discover lied about not having a contract to pay off the amount I owed. They screamed and yelled and threatened on the phone. I said why would I struggle to pay you {$50.00} a month if I did not have a repayment plan Do you think I am that XXXX.? well obviously they do because here we are 2 years later in another state and the XXXX XXXX. Think I accept whatever they send me. No I don't. They sent papers copied in envelopes that were not secured. XXXX was open in the mailbox. They can still lie on paper. They have and still do. Release the audio boyz. They won't because it shows I am telling the truth. Why more money to persecute me? They have spent more than {$1000.00} to get not XXXX but a XXXX judgement for XXXX that I owe. They are XXXX.So are their lawyers. XXXX XXXX XXXX XXXX. I still have to provide shelter, food, heat, water, electricity. There is nothing left. May they go bankrupt with out any bailouts and they lose it all. They have done this to others it is persecution of the poor.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (GA)

Below is the letter to Experian that has been ignored. The other reporting agencies have already removed it. Experian removed it and then a different collection agency bought and resubmitted it to Experian. They are ] refusing to investigate and email me back in 2 days to tell me they are not investigating it. They were sued last year for incorrect information- seems they are not fixing the problem. I was on hold for then it hangs up on people. 

This account was paid in full to port the number and pay o : the phone. This is not penalty for early disconnection. Attached is a bank statement. And I have already disputed and submitted this information to you once before, it was removed and now its back. Do I have to do this each time. 
I still use the phone, which would have remained locked until I paid XXXX  XXXX XXXX. Call the number on the overdue account XXXX its still my number. It was ported and paid XXXX XXXX 
The account was transferred to XXXX XXXX. I ported the number, which I could not do if I owed money to XXXX  I attached the transfer confirmation with the last four of the number XXXX to prove it was ported to XXXX  Also I attached the bank statement where I made XXXX XXXX  XXXX to port the number and paid XXXX : the phone as well. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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 15 USC 1681.

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXXXXXX : XXXX, Account name : # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 15 USC 1681.

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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 JPMCB CARD XX/XX/2023
Consumer complaint received 2024-07-27
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

About a year and a half ago, I began noticing strange transactions on my XXXX and Capital One cards. The charges primarily involved XXXX and XXXX transactions. We immediately reported that these transactions were not being made by any one in our household but every time we would get credit back to our cards, the bank would charge it back. All charges were made under my sons old XXXX account and when we called XXXX regarding the situation, they told us someone hacked into the account and was using my sons identity. We have had countless conversations with the banks regarding the fraud charges but have gotten nothing back.
Consumer complaint received 2024-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shepherd Outsourcing, LLC (AZ)

I keep getting text messages from a company called " Shepherd Outsourcing '' saying that I owe money to XXXX XXXX XXXX and they can advise me on options of how to pay. They gave a URL of XXXX and phone number of XXXX. When I checked online it came up as a likely scam. So I checked with my local hospital ( XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) and was advised that all my bills have been paid and the account closed since XXXX. I did not contact " XXXX XXXX '' and will block their texts now.
Consumer complaint received 2024-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received additional interest amount accrued by BofA as well as a penalty of {$450.00} for early closing which I believe at the time of my application I was told that there was no penalty for early payoff. I have a Preferred Status account with BofA that enables me many free services, such as wire transfers, low rates on all types of loans, rewards points etc. I borrowed $ XXXX last year on XX/XX/XXXX and signed up with with BofA to make payments directly from my account each month on XX/XX/XXXX. Exactly a year later on XX/XX/XXXX I visited BofA and asked for payoff information. The representative made a call to inquire from the HELOC Division but was unable to get someone to answer, so I was given the HELOC telephone number to call and get the payoff amount myself. I thus made a {$10000.00} payment towards my balance and told BofA that I will bring the remaining due the next day. Following day after I was told the remaining payoff balance due was down to {$9700.00}, I went back to the bank and paid it off. Then few weeks later BofA sent me another bill for additional interest due. I am disputing the practices of BofA for gauging their clients with fees and charges that they create, as well as mistreatment by telling me that my loan was paid off and balance was XXXX, and later billing me with new accrued interest please. For a {$20000.00} HELOC I paid over {$1600.00} in interest from XX/XX/XXXX to XX/XX/XXXX and now BofA wants to charge me additional interest and penalty amounting to over {$700.00}. Thanks
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Approximately 6 weeks ago, I received an email from Bank Of America. The email stated that my automated payment did not go through because the ACH was not honored by the listed bank. This was due to my not using the credit card for over a year during which time I switched banks. The email also stated that my online payment ability would be suspended. I was provided with a phone number to call. I have called that number and the number on my credit card at least 10 times. Once I am able to convince the automated system that I must talk to a human, about 10 minutes, I am placed on hold. Often this hold time lasts for more than 30 minutes and, as happened today, at the end of this time the system hangs up. Last week, I was finally able to call and get a human. After 45 minutes the person transferred me to another automated system that could not rectify the problem nor could I transfer out of it. I tried again today to call and after 15 minutes was again hung up on. I have been able to " pay by phone '' but I still do not have online access to pay my bill. I attempted to send an email to the fraud department but have not received a response. They have no other means of communications.
Consumer complaint received 2023-03-11
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)

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 15 USC1681. 

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 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 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 


The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$420.00} ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$230.00} ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX & XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$28000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00}, Original Creditor : XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$240.00}, Original Creditor : XXXX XXXX XXXX ). Please remove it from my credit report.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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 15 USC 1681. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX CrossCountry XXXX XXXX Account # XXXX XXXX Finance Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 antedates the report by more then XXXX  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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

This company has charged off and written off the car loan and still is reports past due balance on my credit report. This incorrect information has affected my credit report/score tremendously and I would like it resolved immediately. If the loan was charged off/written off it should not be reporting a past due balance on my account that is illegal. The company should send me a 1099c form which they never did and is refusing to do so. I have attempted to make contact with the company numerous of times and they have hung up on me and given me false phone numbers over and over again.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

This is in regards to account number XXXX. The business was sent a dealership check via XXXX delivery on XX/XX/year> at XXXXXXXX XXXX signed by XXXX in reception. It was delivered to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The check number is : XXXX, the amount is : {$2100.00}. 

The business has been sitting on the check for 3 days, they have not posted the payment. 

Adequate proof has been attached to this complaint. 

Three days later the business has not posted the payment to the above account. Why?
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

have tried many times to have the personal consumer statement that I added to my Equifax report removed. I have submitted more than a dozen requests. I have sent registered letters and I have also sent registered letters confirming my identity to Equifax per their request. This is the XXXX time I have submitted a complaint here to the CFPB website. All to no avail. The consumer statement that I added is still showing on my credit profile at Equifax. It needs to be removed. Now
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : Validation of the debt that is the actual accounting.

Verification of their claim against you : that is, a signed Invoice.

A copy of the contract binding between your company and me in a letter by certified mail.

Full disclosure because I was not told that I was creating the credit with my wet ink signature.

Equal consideration because you as the creditor brought nothing of value to the table.

Lawful Terms and Conditions.

Wet ink signatures between you and me.15 USC 1692a- 5 ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2018-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX