davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted Experian, XXXX, and XXXX to dispute a late payment reported by XXXX XXXX account XXXX XXXX 

On XX/XX/2023 to request validation of debt. 
Experian XXXX and XXXX report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my Experian, XXXX, and XXXX consumer reports. It is damaging and and unlawful.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had my savings at Capital One in an account I understood to be a high-interest savings account called 360 Savings. I specifically chose the account for this reason. I have come to learn by reading an article in the XXXX XXXX XXXX, published XX/XX/XXXX, that Capital One introduced an account called 360 Performance Savings in XXXX with much higher interest. While it ended enrollment in the 360 Savings account program for new customers, I was given no notification despite years of customer loyalty. When I learned of the new account, I immediately opened one and transferred funds. 

I am making this complaint because I believe Capital One behaved deceptively. The new account has nearly the same name and it was instituted without any notification to those who held the older account. I think Capital One has a responsibility to communicate in good faith with all of its customers about opportunities for better interest rates.
Consumer complaint received 2024-01-21
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: Central Portfolio Control Inc. (NV)

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 a XXXX & XXXX 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. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. 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 SECURITIES 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 effecting 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 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (NJ)

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by Receivable Management. As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 

The crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a XXXX  negative impact on my financial well-being and creditworthiness. 

I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. and other applicable consumer protection statutes.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (TX)

Dear HILLCREST DAVIDSON & Associates, I am writing to express my serious concerns regarding Account # XXXX your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (NY)

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 2024-01-18
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. (TX)

I have tried to dispute 2 hard inquiries that I did not authorize with experian. They told me they could not do anything about the inquiries because they were showing as one account but all from different financial institutions. This is false and an improper use of my credit report and report irrelevant and unauthorized information of a transaction I did not initiate. Please have this removed as soon as possible.
Consumer complaint received 2023-05-08
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. (MD)

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 2024-01-18
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Yes I had two Bank of America credit cards and they were both stolen and I cant seem to get into the account and report it so I can get it canceled and get new cards sent to my new address. It looks like someone was charging my card and I would really like help on disputing those transactions and how can I get a new card and find out what is my remaining balances on those cards thank you
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

Hello, I always use XXXX to transfer money between my XXXX  bank accounts. XXXX and BMO Harris. This particular time i used XXXX  XXXX  to tranfer money to BMO Harris. I transferred XXXX dollars from XXXX  XXXX  to BMO harris because BMO harris ATM was closer to me at the time. I waitied until i seen the funds avaliable and i went to get the funds from the BMO ATM. Fast forward a couple weeks and BMO is telling me my acct is over drawn by XXXX which i dont understand cause i had the funds, i checked before i took it out. XXXX  XXXX  is telling me funds were taken from my account and provided me the transaction number and everything but BMO was telling me they have no documentation of me transferring the money only taking it out. I went back and forth between the two banks for months and got nowhere. Now BMO harris sent my info to collections and closed my account and now i am in XXXX XXXX for something i had no controll over. I can not open accounts because of this. 

Also BMO harris owes me money because i had another acct being deposited into the acct and what they said i owe was being payed down so my balance went from XXXX to XXXX by time i knew anything and they sent it to collection and they knew i was fighting this and they still sent me off Transaction number to this amount transferred was XXXX This was provided to me by XXXXXXXX XXXX Thanks
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

i used a credit card in PAYPAL to pay for a product on XXXX. The seller never shipped the item and i never go the item paid.. I could open a case on paypal to get money back.
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/XXXX, I received an email from Genesis, a debt collection agent, stating they are contacting me to collect a {$51.00} debt I allegedly owe XXXX. This was confusing because sometime in middle of XXXX, my aunt had completed an application to live in XXXX in XXXX  and requested to add me as a roommate, but we never moved in. I called Genesis and they told me me they were limited in the information they could provide. The notice stated I had until XXXX XXXXo dispute the claim. 

On XXXX XXXX I visited the XXXX office to inquire further. The receptionist accessed my records and found that the application fee was paid. She asked her management how else they can assist me. I forwarded the email to Genesis and stated I'm disputing the claim. 

On XXXX XXXX  responded that I can contact Accountant Receivable. I immediately asked for their contact information. XXXX  provided a generic email address and phone number. I called the number a couple of times. The operator stated they are experiencing a high volume of customers and that I could leave a message or stay on the line. I stayed on the line and after a few minutes, I was hung up on. I then sent a detailed email to account receivable. To date, I have not received a response. 

On XX/XX/XXXX, I called Genesis and they stated my dispute was still in review. On XXXX, I emailed XXXX, requesting assistance on resolving this dispute because I feared impact on my credit score. XXXX  responded they had not received correspondence from Genesis regarding my dispute. I called Genesis and let them know. 

On XXXX XXXX emailed I'm not responsible for the {$51.00} application fee that was previously due and they would contact XXXX to close out the account. In my response back, I cc 'd XXXX, and demanded two things : XXXX ) that XXXX cc me on the correspondence to XXXX due to their grave mismanagement of the situation and XXXX ) that XXXX formally withdraw the demand formally and in writing, and that I receive the withdrawal letter via email. 

To date, XXXX has not sent an email to XXXX and I have not received a formal withdrawal notice from XXXX. My fear continues that my credit score will be impacted based on this improper and unfair proceeding.
Consumer complaint received 2024-01-17
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 (NY)

I received two American Express Gift cards. I have tried to use both of them and all times they have been declined. In addition, I have called for the last two days and spent many hours on the phone only to get the run around!! One card is for {$400.00} and the other for {$500.00}. They are both below balance now due to {$.00} being subtracted everytime i go to use them! This is proposterous!!!
Consumer complaint received 2023-11-02
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. (NY)

I have submitted several disputes to remove all late pay and collections. I have stated all laws and according to 15 USC 604 validation. and nothing was validated or removed. i am trying to meet a XX/XX/XXXX closing date.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (TX)

Good morning, Due to employment loss, I need to catch up to five payments on my loan. I gain employment in XXXX. XXXX, 2023, and ask in XXXX for a forbearance period so I can resume making payments on my home loan. I intend to keep the home and would like to continue my monthly payment. I received a denial forbearance letter from the bank informing me the flex modification doesn't meet the necessary seasoning requirements.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

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 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (OK)

Ok so I have been through this before with money lion. I finished paying off a loan ( credit builder loan ) and wont give me my reserve funds I had to get the loan. They deleted my account years ago wont tell me how much money I have I have sent multiple emails and phone calls to no avail and always receiving the same answer ( we will get back with you ). They wont even tell me why my account was deleted. ( Suspicious activity ) I dont even know what that means. I did not know a bank can legally withhold my money that they have. Last time nothing happened for 2 years until I submitted a claim. Then all of a sudden I got a call and they sent me a check within a few days. They told me it will take 3-5 years to get the money back to the originator. They will not tell me who the originator is. I thought I was the person who put the money into the account ( me ). I believe its XXXX $ Im not sure because my account has been closed two years and they wont let me open an account or give me any of my information over the phone. This may not sound like a lot of money to you but it is a lot of money to me and its not right they can do this multiple times. I have all the email I can forward if needed. Please actually help me or give me a call with what to do. This company I will never touch again. 

The only thing different this time is I got an email saying I paid it off and that I have two options to get my money back. Create an account ( I called and tried online they will not let me or tell me why I cant ), option 2 link my bank account to my roar money lion account ( I called and was told Im not allowed to create an account per company policy and closure of accounts and they also would not tell me why or how to get my money just send XXXX document to this email and no response ). They literally will not tell me how to get my money the but they will tell me to do something I can not do like create an account or link my bank to an account that Im not allowed to have or create???? I dont even know if this breaking laws but it very much sounds like it should be. So how do I do something that they will not allow and they tell me its the only way to get my money? I just hate the fact that they know what they are doing on purpose and they get away with it. 

Also the next page of this complaint asks for a loan number but I was told they can not provide me with that information!? So the number I put in it is just random.