davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, responded to a 0 % balance transfer offer from Bank of America. 
The transfer amount was {$7500.00} plus a 3 % ( {$220.00} transfer fee ). 
Incredibly, Bank of America started charging me interest on this allegedly 0 % offer. 
I refused to pay any interest or additional fees. 
In XX/XX/XXXX I paid off the entire remaining balance on the transfer, including the transfer fee ... total paid to Bank of America was the agreed amount of {$7500.00} plus {$220.00}. 
I have disputed the interest amounts on every single bill, including the latest just received. 
The first date of the original interest charge was XXXX. 
Bank of America has responded with generic letters indicating that nobody even read the disputes, but simply generated a letter saying I owe them interest. 

There is zero doubt in my mind that Bank of America has engaged in a deliberate, deceitful, misleading, and probably illegal, business practice. 

If they did this to me, they almost certainly did this to others.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

XXXX account : XXXX XXXX XXXX- REPORTED LATE XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (MN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2018-05-14
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Action Financial Services, LLC (NY)

I received a letter on XX/XX/2018 stating that I must respond and begin making payments on my federal student loan or it would go into default status. I called within the first 30 days of the allowed 60 days and they told me that my loan was already in default and to " disregard the wording as it is their general welcome-letter ''. They then took some information from me and stated that I would need to pay a monthly amount of {$78.00} for 9 months for my loan to be taken out of default status. The entire loan amount equaled {$7300.00}. I agreed to the monthly amount and asked if I could make the first payment but they asked me to wait until I received another letter for them to begin making payments. 

While I was waiting for their letter they began calling my employer and my employer transferred the call to me. I immediately asked them never to contact my employer and only to contact me on my cell number. They agreed, but then stated my new total was {$9200.00} and I would now be required to make a monthly payment of {$750.00} per month. I told them this was not feasible for me and asked why my monthly amount jumped 10x that of their last quote. They said it was because I was married and my husband made the same amount of money that I did. I asked then why the payment wouldn't just double to {$150.00} and they couldn't tell me. At this point I asked them again to only contact me via my cell number and I called my attorney for advice. She advised me not to speak to them and to allow them to send a letter on my behalf. 

A week later I began receiving calls from them again directed to my employer. I spoke to them and reminded them that I expressly asked them never to contact my employer, that I had never given them the name or number of my employer and that they were jeopardizing my employment by doing so. They then pressured me to give them the name and phone number of my attorney and I said I didn't feel comfortable doing so and that all information would be clearly presented in the letter presented on my behalf.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc. (CA)

I found out about this debt through my credit reports. Original Creditor was XXXX XXXX XXXX for {$170.00}. I was never notified about this debt. No attempts we made to Inform me about this account which was opened without my knowledge and authorization. After calling RGS financial about this account, I found that they had the incorrect mailing address which we proceeded to update to my new address. After looking into this account further, this account was opened fraudulently several years ago.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I noticed a new collection account on my credit report for progressive insurance. As soon as I did I called XXXX and they informed me to call Credit Collection Services. I paid the amount in full and the representative on the phone promised the collection would be removed from my credit report. It has been a few months and the collections is still showing on my credit report as paid but not removed as the representative promised.
Consumer complaint received 2023-10-24
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)

Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Alantic Personnel & Tenant Screening, Inc (VA)

Im now unemployed and going to be homeless because Atlantic employee screening is giving a false report on my background check saying I recently lived at an address in Maine Ive never been there and dont know anyone there they said they got the information from social XXXX XXXXXXXX
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC (TN)

Today, XX/XX/2023, Harpeth Financial took everything out of my account and my son 's account WITHOUT notifying me!!! I have no idea who they are or even who they represent!
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I ( XXXX XXXX ) purchased a used XXXX XXXX XXXX from US Auto Sales located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX on XX/XX/XXXX. My sales rep was by the name of XXXX. The car originally had approximately XXXX miles on it and was diagnosed to be in great condition with all mechanical aspects checked and accounted for. The first payment was made on XX/XX/XXXX at XXXX XXXX  of {$250.00} with a confirmation number ( XXXX ). The following payments below followed : XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XXXX Payments were made via automated phone service. 
XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # XXXX ) XX/XX/XXXX : {$150.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$100.00} ( XXXX ) XX/XX/XXXX : {$200.00} ( XXXX ) My Customer ID XXXX with U.S Auto Sales before the merger on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  I called the claims department where I spoke to a representative by the name of XXXX. I explained to him that I was experiencing electrical issues that cause my car to turn off and display all dash lights. XXXX then provided me with a claim # : XXXX. I ( XXXX XXXX ) also reached out to my Sales Rep by XXXX who I explained the issues to, and I was directed to a Repair Claims FAQ card. 

I am filing this claim because my balanced owed on the car does not reflect the amount paid and I was falsely sold a car that stated that all mechanical work was up to date. However, once taking my car to the XXXX dealership it was explained that the car needed Drive Belts replaced, the brake fluid was never replaced and very dirty along with the transmission fluid. I also received my first oil change ( XX/XX/XXXX ) 2 months after purchasing the car on XX/XX/XXXX, after it was stated that all fluids were of good standing and up to date.
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received no warning or information that all of my bank accounts would be frozen with Capital One. When I called, they let me know that they can not provide me any information as to why my accounts got shut down, but due to an internal review I can't bank with Capital One anymore. They let me know I would recieve a check in the mail of my available funds in my checking account within 7-10 business days. 

It has now been 14 days. I called again and they told me that my account is just under review, but hasn't been closed yet and that once it closes, then they'll send me my money. They can't tell me why my account is under review, or when it will be done being under review. They said at this time, they don't know when I will have my money. 

They are withholding my money for an indefinite amount of time, and not giving me a reason why.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery uses different phone numbers to call me. I don't have any collections. 
I told them months ago to stop calling me, that I don't have any collections and they continue to call almost every day. They have used 37 different telephone numbers to call.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

For more than XXXX months I have been trying to get my equifax score I spoke to a gentleman who told me to set up an acct I did. And still nothing my loan officers pulled my credit through XXXX no report I have been denied houses because of this issue I spoke to a supervisor who stated I need to send in my ID AND SOCIAL!! BREACH OF CONTRACT SO MY INFO CAN GET STOLEN AGAIN?? He said equifax had an eternal ERROR GOING ON!! You guys just had a settlement and declined to inform me appropriately I had to log on on which I didnt meet the deadline! YOU INTEND TO MAKE PEOPLE CREDIT AND LIFE XXXX! There is no reason I should have to go through this YOU NEED TO BE SHUT DOWN
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-08-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

My spouse is an XXXX XXXX XXXX XXXX, and I am in the process of seeking a reduction in the interest rates on my student loan. This loan was obtained prior to his enlistment in the XXXX XXXX. However, Sallie Mae is unwilling to cooperate, citing that my spouse is not the co-signer. According to legal regulations, spouses are protected under the Servicemembers Civil Relief Act ( SCRA ), which extends these protections irrespective of co-signer status.
Consumer complaint received 2023-05-14
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. (LA)

To whom it may concern The late payments status on my credit report are invalid and inaccurate. I have requested credit reports agency. Credit Bureau fail to verify inaccuracies.I have not received supporting verification of documents of being late on account This a violation of 15 usc 1666 b Please delete the inaccuracies. 

XXXX XXXX XXXX date XX/XX/22 XXXX XXXX XXXX Date XX/XX/22
Consumer complaint received 2023-06-23
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. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Source Receivables Management LLC (AL)

SOURCE RECEIVABLES MNG Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-10-25
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. (CA)

I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX Communications Addresses : XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : Dept of Ed XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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)

This is my second attempt to resolve this investigation I asked ALL three bureaus to investigation and update my STATUS UPDATED. Still it said on my credit report this last time it was updated wasXX/XX/XXXX and if this report was generated on XXXX XXXX then no such investigation was done. So, I'm asking please hold these three company responsible by removing. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- account XXXXXX/XX/XXXX- account number- XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-24
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. (CA)

I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.