davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received my EDD Bank of America and transaction were not authorized by me. I let Bank of America know and they said that It was me or that I authorized someone else. I told them to investigate and they Denied my claim for {$12000.00}. And I called for them to re-evaluation the claim and still denied me and sent me this attached document and I have also requested the supporting documents they have and haven't received nothing from them., I requested the supporting documents again and have not received nothing back from Bank of America . I called the claim department of Bank of America and they keep denying my claim
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I got a letter a couple months ago that my Kohls store card was being converted to a general Visa card. I immediately called kohls to tell them that I absolutely do not want a Visa card and they do not have my permission to open one in my name. They told me they would update my account to keep my current and not convert to a Visa.

I was shocked and angry when I got a Kohls Visa in the mail today after explicitly telling them I did not consent and after they ensured me that it wouldnt.

When I tried to call every number I could find, it was impossible to get a person on the phone to fix this. This is credit fraud.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CA)

I asked to have the debt verified which it was not in XXXX and then after that its been repeated calls from this company to my phone using multiple numbers. These are the numbers they have used to call me : XXXX that was XX/XX/XXXX, XXXX XX/XX/XXXX,XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. There are many many more that I can list on top of that they send letter to my home. Ive asked to be taken off their call list in XXXX. It has not stopped and I feel vey haressed at this point
Consumer complaint received 2024-09-23
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. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.
Consumer complaint received 2023-11-23
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I ordered a {$50.00} Amex gift card that was nearly impossible to use. Amex advertises that these cards can be used at ANY MERCHANT AMERICAN EXPRESS IS ACCEPTED. That's completely untrue in practice however. Every merchant I tried ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX even XXXXXXXX XXXX  and XXXX ) declined the card. All transactions were attempted in the US, not international. 

Amex prepaid customer support had no idea why it was being declined and advised me to keep waiting, try again in 24-48 hours, etc. That's useless advice. I was able to use the card eventually at XXXX XXXX XXXX XXXX on XXXX and XXXX on XX/XX/, but I didn't want to use my card at these merchants. I had no choice because Amex declined transactions at all of the merchants where I wanted to spend this balance. I have spent hours trying to find ways to finish off the balance on this terrible gift card.
Consumer complaint received 2017-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAFCO Finance (OR)

In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.
Consumer complaint received 2024-09-23
Product: Credit reporting 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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-23
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/2022 as I was sitting at my doctors office visit making last minute appointments to leave for the XXXX XXXX in Minnesota because my daughter had been diagnosed with a XXXX XXXX and was to have XXXX this week. I received a cell phone call from an automated voice that stated my XXXX XXXX XXXX XXXX  would be disconnected within an hour to avoid this press 1 at which point I was given a live agent. That agent told me that the disconnect was unavoidable unless I XXXX  money in the amount of {$240.00} to XXXX XXXX as the online app was not working properly and did not get my last payment. I XXXX  money to ( XXXX ) XXXX and was told to title it XXXX XXXX, upon sending the name appeared and stated " XXXX ''. He asked me to input a code which I did not. I disconnect the call and he tried 5 more times to contact me. After my doctor appointment I headed straight to the bank to dispute. Since the transaction was sent thru XXXX I am told I have no recourse.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXX XXXX XXXXXXXX XXXX {$580.00}
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows XXXX XXXX : The XXXX XXXX reported differs significantly. 

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies. 

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (GA)

I purchased a car from XXXX XXXX in XXXX and in XX/XX/XXXX I willing gave the car back to XXXX XXXX. They came to my home picked the car up and assured me that my surrendering the vehicle on my own accordance that I want be held liable for any additional charges. There was no past due payments at the time I surrender the car. When I reviewed my credit in XXXX a collection agency that I have never had a conversation with or any form of contact was saying I owed them over XXXX in debt I also noticed after getting a copy of my credit report via mail that that collection agency made false statements adv I paid towards that owed amount when I never had no form of communication with them. I have been disputing this amount with all XXXX major credit bureaus for the last 5 years requesting accurate proof and documentation but once the disputes are resolved they only say the debt is accurate not providing no proof of the requested documents. This false debt collection has been sitting on my credit for over XXXX when the vehicle was willing surrendered to the the actual company XXXX XXXX who I can still purchase a car from right to this day. I would like this debt removed from XXXX because its the only negative item in my credit that is XXXX inaccurate and XXXX fraudulent information information and debt. I have not received proof of the time frame when this debt actually took place which I know when I originally purchased the car from the the vendor XXXX XXXX  which was in XXXX and in XXXX me and XXXX XXXX spoke over the phone and came to a mutual agreement that I could surrender the car willingly and it would not affect me or my credit. If you look at my credit report there are no repo for that vehicle. The collection agency that I guess purchased the debt for Pennies are trying to collect debt without communicating with me with me as well as reported false information saying I made payments with them towards an a inaccurate amount and is against the Fair Credit Act. Im not paying a unknown company that I have never communicated with nor provided proof to me about false fraudulent charges.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NV)

I had already submitted a complaint regarding Upgrade and it was resolved and I was sent a letter from XXXX telling me that my account would be reported on my credit as paid in full and they are not reporting this. Instead, my credit has taken a significant hit because they are reporting I have late payments, which I do not and those need to be removed, but the account is also still showing as open. 

I have tried disputing this through XXXX and nothing was changed, this needs to be fixed immediately, I have spent months trying to get this resolved and my credit has been severely damaged.
Consumer complaint received 2023-07-15
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act, the list of credit reporting agencies and creditors have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602A states I HAVE THE RIGHT TO PRIVACY.

15 usc section 604A section 2, states A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONCENT OR INSTRUCTIONS.

PREVIOUS REQUEST TO CEASE AND DESIST THIS VIOLATION HAS BEEN IGNORED BY REPORTING AGENCIES, A CLEAR DISREGARD FOR THE LAW.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Incorrect personal information on credit file. 
Incorrect personal information associated with debt belonging to XXXX XXXX XXXX, XXXX. 

I have contacted XXXX from XXXX XXXX XXXX to advise that the personal information such as the social security numbers listed on my credit file do not match, do not belong to me, are incorrect and belong to my minor children. Also, the social security numbers on file are linked to debtor accounts that do not belong to me and should be therefore deleted. 

Below are the social security numbers : SOCIAL SECURITY NUMBER XXXX Incorrect Personal Information XXXX Incorrect Personal Information I have provided the correct social security number in the form of proof of identity via a social security card. 

In XXXX of XXXX, I contacted XXXX XXXX XXXX requesting validation of the debt via the social security number on file. However, they have refused to provide the information related to validation and verification of the debt.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-11-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

Good morning, I was made aware of the charged for a router that were due by a collection agency over the phone in late XX/XX/2023. Initially, I figured it was a scam call until I received a letter. Very confused, because I was never initially contacted by XXXX  ( the company that owns the property ) I never thought it would be sent to a collection agency. 

The first call with CBE I told the receptionist I was not comfortable giving my bank account over the phone and needed a website, which had not been provided. After doing my own XXXX search, I found the account online. Still, unsure if this was indeed a scam because there is an option to agree to pay less on their site which struck me and I would imagine any reasonable person as odd, I waited. I received an alert through XXXX alerts of a change to my credit of a collection on XX/XX/XXXX and immediately paid the $ XXXX dollars. Mind you, no due date on the amount owed was never given to me, and was never seen on the CBE Group website. 

Based on these facts, and the small amount due, which was paid, I am requesting this collection be purged from my credit file as I see it as unfair practice by both XXXX  and CBE Group. 

Thank you. 
XXXX