davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late-  XXXX   I contacted  XXXX ,  XXXX  and   XXXX   with the following request. " Please remove the following derogatory report from my credit report : Bank of America Date Reported -  XX/XX/XXXX Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened - XX/XX/XXXX Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by BOA in writing o XX/XX/XXXX and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by BOA on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX o  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted Bank of America who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with BOA because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
<P/>
I was told by BOA as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that BOA 's current practice is incorrect. I would really like to know rules or laws, if any, apply.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MS)

A collection was added to my file between XXXX XXXX and XXXX XXXX, 2024 from Sequium Asset Solutions, the original creditor was XXXX. I do not have an account with XXXX.
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (OH)

On Thursday XX/XX/XXXX at approx. XXXX EST I attempted to login to my WISE account via mobile device. Normally it scans my face and has me enter a pin, this time the screen asked me to sign up or enter a name and password. 

Upon entering my login credentials it did not accept them. I tried logging in via XXXXXXXX XXXX and XXXX ID - no luck. I then requested a password change. I changed the password, it did not accept it. I requested another password reset and reset it again. Again, it would not allow me to login. 

I called the customer service center at XXXX and spoke with a representative named XXXX. XXXX first attempted to tell me this was a glitch and wanted to send me an email with instructions to fix it. I informed her the issue was on my mobile and laptop and therefor was most likely not a glitch. 

She put me on hold for about 5 minutes while looking into the issue. Upon returning she said that she needed to send the issue to a special team and they would respond to me within two business days at the soonest. There was no timeframe given for when I would be able to access my account or anything else other than to wait for an email. 

I stated concerns that the account was compromised- she assured me it was not. When I asked multiple times, she assured me with nothing other than 'it isn't '. I then requested the outgoing transfers and current balances. Approx. {$150000.00} - {$160000.00} total. 

The balances were accurate, as was the outgoing transfer history. However, I am highly concerned I no longer have access. I am attempting to pay some things off and worry about my general finances and if this company is legitimate. 

They are holding a substantial portion of my money. This is alarming as I just transferred {$50000.00} into the account from XXXX XXXX because WISE has interest bearing accounts. Now I am scared if this bank is going to steal or mishandle my funds. 

Please do something if you can. I think you.
Consumer complaint received 2024-09-10
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. (TX)

In accordance with the Fair Credit Reporting Act. The List Of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX U.S.C 1681 section 602A. States I have the right to Privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 convicted crimes which antedates the report by more than 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 the information is inaccurate. 

15 U.S.C 1692c you have violated my rights by unlawful communication
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (WA)

I looked at my report 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. This account [ XXXX XXXX XXXX XXXX ] [ XXXX ] is not complete and its not accurate [ XXXX XXXX XXXX XXXX ] [ XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I Sent a letter. and disputed the account on experians website multible times asking them to reinvestigate this account XXXX XXXX XXXX XXXX got the investigation back but noticed nothing was modified. 

So I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7 I sent it via certified mail tracking # XXXX I also notarized the letter just to confirm it was sending the letter and no one else. Its been way past the 15 days they had to respond Also like I mentioned earlier I have disputed this account multiple times and its currently not marked disputed which is another fcra violation I attached some pictures of my credit report showing how XXXX and experian are showing different last payment dates both CRA 's are incorrect and I attached a screenshot of experian stating after I disputed the account its updated and verified but it's still incorrect and not marked as disputed -XXXX XXXXXXXX
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX of XXXX, I had many of financial accounts compromised via my phone, one of which was my PayPal account. My PayPal account was accessed by someone other than myself, a debit card account opened, and {$1900.00} was spent at various stores that morning. The thief/fraudster also tried to transfer money to other individuals via PayPal. In all, {$4800.00} ( see account statement attached ) was transferred from my XXXX Checking account to PayPal to cover the fraudulent transactions. I reported the money transfers and debit transactions to PayPal as fraudulent and they opened an investigation. PayPal reversed the money transfers but found the debit transactions as NOT fraudulent. They said I was responsible for the debit transactions totaling {$1900.00} as they were " consistent with my spending behavior ''. I also reported all the activity to XXXX as fraudulent as that is where the funds originated from that were spent with the newly opened PayPal debit card. I filed a police report with the city of XXXX XXXX, as that is where the theft occurred, and filed an ID theft report with the FTC. XXXX recognized this activity as fraudulent ( the {$4800.00} transferred from XXXX to Paypal ) and withdrew the money from PayPal resulting in a negative {$1900.00} balance in my PayPal account. I spoke with many PayPal customer service agents who agreed that the activity looked appeared fraudulent, and that I should definitely appeal the findings. I did appeal, but PayPal refused to formally recognize the debit transactions as fraud. The amount has now been placed with internal collections and I can no longer appeal the decision as I have already done so. I strongly believe if PayPal were to look at this closer that the activity would most certainly appear as fraud as within a few hours of time, a new debit card was opened on my account and thousands of dollars spent in various ways from my PayPal account. Also, if they could observe video footage of the stores in which this new PayPal debit card was used, they would see that I did NOT enter any of them at the time of the purchases ( or ever ). I have been a PayPal customer for over 15 years and never have spent that kind of money out of my account within such a short amount of time. It is definitely not consistent with my usual activity. How can they recognize the money transfers as fraudulent, but the debit transactions as not? I have included copies of my police report, ID theft report, PayPal receipts/transactions related to this, etc. I would be happy to provide official documentation of XXXX 's fraud claim findings, if necessary. Thanks.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I have a complaint against Blackhawk Network ( BN ). 

I already submitted the same complaint to BN, but to no avail. The case number is XXXX. 

In XX/XX/XXXX, I could not activate my redemption code ( XXXX ) due an error on XXXX side ( see attachments ). 

After trying many times without success, I called the number shown on the error message, XXXX ( see attachments ). 

A gentleman XXXX customer service agent answered my phone. His name was XXXX ( or XXXX ). He had a thick, XXXX XXXX. 

XXXX said the conversation was being recorded. XXXX then removed the block and manually activated the card. 

I said : Can I use it like a gift cardand give it to someone? 

XXXX replied : Of course, but I need the persons name and address. 

I gave XXXX my assistants name and address, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The card was successfully activated by XXXX finally. I then emailed a screenshot of the card to XXXX XXXX ( see attachments ). 

On XX/XX/XXXX, a very concerned XXXX called me, saying he could not use the card. 

XXXX said : BN is asking for his drivers license ( a government issued photo ID ). 

XXXX is very reluctant to give out the information on his drivers license to BN because BN is not the police or a banker. 

XXXX and I do not understand why BN is behaving illegally. For instance, blocking the use of the card that a XXXX customer service agent, XXXX, has activated himself, asking for a government issued photo ID, and the like. 

In XXXX, I had a very similar issue with BN. XXXX had sent me an invalid redemption code ( XXXX ), blocking me from using the card. The case number for my previous complaint was XXXX.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/year> USCB Corporation XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation and Assignment Contract Chain Dear USCB Corporation : I am writing to request validation of the debt referenced in your my credit report, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Please provide the following information : 1. **Verification of the Debt** : Please provide documentation that verifies the amount of the debt you claim I owe, including an itemized statement of the account. 
2. **Original Creditor Information** : Please provide the name and address of the original creditor.

3. **Assignment Contract Chain** : I request a complete chain of assignment for this debt, including all contracts and agreements that transfer ownership of the debt from the original creditor to your agency. This should include any relevant documentation that shows your legal right to collect this debt. 
4. **Proof of Licensing** : Please provide evidence that you are licensed to collect debts in my state. 
In accordance with the FDCPA, I expect to receive this information within 30 days of your receipt of this letter. Until you provide the requested validation, please cease all collection activities related to this debt. 
Please send me a corrected updated credit report. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (FL)

XXXX / XXXX /2014   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
<P/>
You are required by federal law to provide me with verifiable proof on file of each account listed below. It is against the law to retain in my file, assemble, and sell a credit report containing unverified and invalid information. Your failure to positively verify the validity of the accounts listed below has hurt my ability to obtain credit. Under the FCRA you required to promptly DELETE NOW all unverified and invalid accounts, to avoid potential violations of FCRA 605.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Please verify and validate all data for each listed account, every notation, dates and balances, whether reported or not. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
<P/>
Name of Account : ALLIED COLLECTION SERVICES Thank You,   XXXX   XXXX
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NJ)

There isn't any information as far I did put in for a dispute because I want these accounts deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This is what they are saying I owe but I don't have account numbers. I would like them taken off my credit report according to The Fair Debt Collection Practices.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Hey there, I have been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Mailed.on  XX/XX/XXXX  of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit "  XXXX  '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a   XXXX   score and  XXXX  on other   XXXX   reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance
Consumer complaint received 2017-07-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I need to give some personal financial / health background information previous to this auto loan with Capital One.
 XX/XX/XXXX  filed BK/discharged  XX/XX/XXXX  During process of BK I voluntarily surrendered my car I had at the time. Also during this time I was on CA SDI ( XX/XX/XXXX  ) - made the choice to surrender my car - I was out of work, could n't keep up with payments In  XX/XX/XXXX  I attempted to return to work. I then needed a car this is when I obtained the auto loan from Capital One  XX/XX/XXXX  I was I was placed on total and   XXXX   XXXX   (   XXXX   XXXX   ) through Social Security. Unfortunately this was one month after I received this auto financing through Capital One. I have been struggling since then with my payments.  XX/XX/XXXX  I placed my payments to Cap One on an automatic payment schedule.
<P/>
I am on reduced income causing me to have very little money after I have taken care of my basic necessities I have organized my finances in order to be able to continue with my payments to Cap One ( as stated above ) however the issue now is I am 4 months behind with additional late fees accruing, etc. as well as receiving collection letters informing me they might tack action to repossess. All of this causes additional mental and emotional stress to me which is not healthy for my condition.
<P/>
I will provide any documentation needed to the best of my ability.
<P/>
Thank you.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX  Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXX XXXX ( I never had a credit card in my life ) Commenity bank XXXX XXXX XXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to request your assistance in updating my address in my Experian credit file. Upon reviewing my credit report, I noticed multiple variations of my address, which may lead to confusion and issues with my creditworthiness. 

The correct address that should be reflected in my Experian credit file is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Currently, my report reflects several variations, including : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX