davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a mistake made by the company I worked for and they then gave me a live check, Bank of America refused to accept my legitimate check and therefore recurring payments including my rent started bouncing. they then closed my account and reported me to XXXX. I have tried getting it removed and they say I have to wait 2 more years. This is libel and defamatory as I did nothing wrong and tried to rectify the errors of the former company I worked for. I want to be removed from XXXX as it is putting a financial strain on my financial situation.
Consumer complaint received 2023-08-14
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED. REMOVE THESE FRAUDULENT ACOOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2021-08-03
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: Bread Financial Holdings, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 


XXXX XXXX : Balance {$15000.00} Last report date : XX/XX/2023 XXXX   XXXX XXXX : Balance {$7000.00} Last report date : XX/XX/20XXXX XXXX   XXXX XXXX : Balance {$10000.00} Last report date : XX/XX/20XXXX XXXX XXXXXXXX XXXX : Balance {$11000.00} Last report date : XX/XX/203 XXXX XXXX XXXX XXXX Balance {$5600.00} Last report date : XX/XX/2023 XXXX  : Balance {$19000.00} Last report date : XX/XX/2023 XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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
Consumer complaint received 2023-07-13
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. (NY)

This is my second attempt to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-11
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. (AZ)

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. 

This accounts and Inquiries has violated my rights.

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 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WY)

I am filing a claim against the response to claim number XXXX. The report stated this was an authorized transaction. ( {$11000.00} was transferred by someone other than me to a bogus account opened in my name at XXXX XXXX XXXX  on XX/XX/2023 ). This transaction was not authorized by me, which I reported to US Bank Fraud Department on XX/XX/2023. As instructed, I reported this to local police department in XXXX, XXXX. The report was filed at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY, XXXX XXXX XXXX, XXXX, WY XXXX. The Report Number is # XXXX. ( I have requested a copy of this report. ) According to regulation XXXX banks are required to make the client whole if their money was stolen through an electronic payment initiated by another person. Further CFPB issued guidelines stating the law protected person to person on-line transactions. CFPB clarified all unauthorized on-line money transfers ( payment by someone else ) is the bank 's liability. 

This account was closed by me to avoid additional unauthorized transferson XX/XX/2023.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (AZ)

Optum Bank, XXXX XXXX. I wrote XXXX checks between XXXX and XXXX All the merchants indicated the checks were returned by Optum Bank. Upon contacting Optum Bank and reviewing notices posted within my online account, I could not find any notice that paper checks can no longer be written. When I asked why, they said to check my email on file ( XXXX ) and my spam folder, and that this change went into effect on XXXX I checked and did not find a notice. I still do not see any notices posted within my online account. Nor do I see any notes within my online bank account that these checks were listed as returned. Poor communication and lack of notice has caused us to suffer returned check fees from our merchants.
Consumer complaint received 2023-10-11
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. (TN)

I have disputed my credit report since XX/XX/2023 I should have a better credit score than 500. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
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. (GA)

XXXX 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed. I was also charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so much time had passed they would n't remove the charges. Even though it was the credit card company 's fault the charges got placed & not removed in the first place. I 'm recovering from a series of procedures & have n't been able to stay on top of my account as normal. But I 'd expect that when someone says they 're going to do something that they are actually going to do it.
Consumer complaint received 2021-08-03
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: First Advantage LNS Inc. (MA)

National Credit Audit Corporation has knowingly and willingly allowed false reporting after several attempts to have the information review by just responding verified and not actually verifying the debt at all, this is a violation of the FCRA guaranteeing 100 % accurate reporting and neglecting its responsibilities to investigate I has had many hardship due to the choice made by XXXX XXXX who was my collection account specialist she treated me as if I was lying to her very rude and there will be a lawsuit following due to this account being reported in Error and not addressed by call the original creditor and verifying this {$1400.00} debt I had to remain homeless for some time because of this debt its being deleted but this company need to have some for of accountability.
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (MA)

I got a loan for a car back in 2016, I had some issues and they offered extensions. Recently my car got totaled and my insurance company paid them XXXX and some change. They were notified and still kept charging XXXX dollars a day in interest making it almost impossible to pay back! I really dont know how this is even legal! The cars been more than paid for the loan and what its worth! Its honestly disgusting this has been allowed in XXXX and theyre doing to send back every payment made but not how much it all adds up to be!!! Which Im sure is all they are going to rebuttal.
Consumer complaint received 2023-10-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I was living in XXXX XXXX  and my lease was ending on XX/XX/XXXX. I reached out to the XXXX XXXX  XXXX on XX/XX/XXXX that I bought a new home and I can move out early by a month and I need their assistance so that I can save some money as I dont want to pay both Rent and XXXX at the same time. Property XXXX had called me to the office and suggested that she can only approve XXXX  days early move out and noted in the print outs that XX/XX/XXXX move out approved and do not accel Rent. She didnt mention anything about early termination fee or anything that sorts during the discussion. My XXXX month rent was {$1500.00} and I had paid the prorated rent, other utility costs {$890.00} on XX/XX/XXXX and dropped off the keys in XXXX office on XX/XX/XXXX end of the day. XXXX sent me an email after few months that there are penalties for early move out / lease end date change, which is way ( XXXX to XXXX  times ) more than $ XXXX that I was trying to save by moving out early. I did sent many emails or letters to XXXX disputing the transaction and no response received. I did work with an attorney and sent Demand for release letter to XXXX. Later, they had reduced the amount from XXXX XXXX XXXX XXXX XXXXXXXX, which is still way more than what I could have paid if I was staying inXXXX for those 15 days of remaining lease duration. This is really unfair and trying to take advantage of the innocents like me. 

I did explain this and dispute the transaction with the collection agency as well and they dont show any interest in explaining/ resolving the issue. They are just reading out the amounts that it is valid. Either they dont understand the issue or they dont want to.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-11
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX : {$41000.00}
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

XXXX XXXXXXXX XXXX sold the debt to Amercollect collection company. I never received. The 1099 C form XXXX nor Amercollect. Please provide the 1099C or delete from credit report.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MN)

I applied for the Chase   XXXX   Preferred card and got a call for additional verification which I completed after then it was approved. When the card arrived it did not work, I called Chase several times and nothing got done.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY (LA)

We own a XXXX ( XXXX ) and were offered " Merchant Financing '' by American Express. I spoke with them at length about the amount of the loan, how it was to be paid back and what payback was based on. The way the loan is repaid is within a year period, they pull a percentage of the credit card payments to the business before they hit our bank. My understanding after numerous conversations and seeing the numbers in the contract, was that the repayment was based solely on our last year 's income. I figured this was a good, smart way to structure a loan since we are a fairly new and growing XXXX. I knew I could pay a percentage of our income based on last year. However, XX/XX/XXXX I noticed something was wrong. We made $ XXXX more XX/XX/XXXX than last XX/XX/XXXX, but somehow we still did not reach the payment amount American Express had set for the month. I called them and asked how this was possible if it was based on last year 's income. It took me numerous calls and follow up e-mails to finally learn that they had added a XXXX % growth rate into the equation when they calculated our loan. I spoke to several people and, based on the fact that I was misled, asked them if they could extend payback to two years ( from one ) or give me a couple months break while I found a bank to refinance it. I was told no on both counts.