davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TX)

XXXX and Speedy Cash sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report Thursday XX/XX/XXXX I was called a man name XXXX stating he was coming to my home and serving me in XXXX County. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2024, I submitted dispute letters to Experian, XXXX, XXXX, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports.

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus.

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports.

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy.

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.
Consumer complaint received 2023-02-28
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. (IN)

The Credit bureaus stated that my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate along with many other inaccuracies. This is grounds for removal, they are violating my rights under : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I'm sure you have plenty of evidence against BofA as far as the opening of accts without permission but here are 2 more. The second one I reported the day before the story broke in the news. 
Incident XXXX XXXX XXXX XXXX XXXX XXXX rec 'd notice from BofA that my request for XXXX XXXX Mastercard was approved and they were reducing my credit line on another one of my BofA cards ( card ending in XXXX ) in order to send me the new card. I really did not believe I would get the card because I knew I did not apply for it. 
Rec 'd the card ( card ending in XXXX ) around XXXX and cancelled it. 
XX/XX/XXXX - rec 'd notice that a fraudulent acct was opened in my name and the credit line effected was being restored. I called XXXX XX/XX/XXXX to issue a complaint. They said I was in good standing and credit line was ok and they would file a complaint. 
Incident # 2 : XX/XX/XXXX rec 'd email advising that BofA had rec 'd my application for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Rec 'd email advising that I had been approved for this card. 
XX/XX/XXXX dated letter in mail that I had been approved for this XXXX XXXX card and another BofA card 's credit limit was being adjusted ( card ending in XXXX ) so that I could get this new card. 
XX/XX/XXXX rec 'd email that new card was shipped. 
XX/XX/XXXX - I returned from vacation and came back to find the XXXX  XXXX XXXX, that I did not request, in my mail ( card ending in XXXX ). Called BofA on XX/XX/XXXX and reported it, they said they would cancel it and said to contact credit bureaus to prevent issues. Which I did.. The next day the issue of accounts opened by BofA without consent was on the news. I am awaiting an update from Bof A that the credit limit on the card they reduced is restored. 
I do have of all the documents, including the credit cards issued, that I have referenced above but will not attach them unless they are needed.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Roquemore Holdings LLC (LA)

They are looking for someone I used to date and they have repeatedly called me have been looking into my social media and contacting my family and friends. As well as the family of my friends. The debt is not mine which they understand but continue to harass Me and my family.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TN)

Paid my payment on time and it was XXXX shorts. Instead of calling me to give me a chance to pay the missed XXXX dollars they hit me with a XXXX late fee. So my payment was XXXX, I paid XXXX 10 days early and since it was XXXX short they hit me with a XXXX late fee then a XXXX finance charge. 
I called them and asked them if I could pay the extra XXXX dollars and them reverse the fee and they said NO. I asked why no one called me to explain that I still owed XXXX and the lady could n't answer.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

I have sent in legal tender multiple times and Citicard accepts the special deposit, then they reverse the credit and do something called " private placement '' because I didn't send them a " registered security ''. In doing so, Citicard fell out of honor, and in an attempt to correct the situation I sent them a {$100000.00} registered security. Citicard just stole that as well, and did NOT apply anything to the account. 

I sent them a U.C.C. 1 claiming the contract. 
I sent them a U.C.C. 3 assigning Citicard to perform I sent them a Bureau of Fiscal services form 233 giving them POA to receive and apply payments I sent them a hand written letter explaining the facts. 

I have yet to come to a resolution, I lay this situation at your feet.
Consumer complaint received 2023-05-16
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. (MS)

HI 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 2023-02-28
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. (IN)

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! 5 USC 1681. 

XXXXDEPT OF ED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

This debt is for a former partner. He sent his phone in to sprint to clear his debt. The agent at XXXX was from out of country doesn't even speak English told him that there was no bill. Sent him a prepaid envelope for the phone to be sent back. Then XXXX  got phones filled for collection of debt. The ex partner is no longer with me. XXXX violate policy and share my personal information and allow ex partner to do whatever he wanted with my account. I am not paying for fraud that XXXX allowed to happen.
Consumer complaint received 2023-02-28
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. (OR)

I would like to report all 3 credit reporting agencies of which are XXXX, XXXX, and Transunion, for violating my rights as a consumer under the law 15 U.S. Code 1681- Congressional findings and statement of purpose. I disputed that the accounts XXXX, XXXX, XXXX, XXXX, were all inaccurate and I wish for that information to be verified via XXXX a credit builder app I paid for to dispute these accounts. The agencies I named above verified the information as correct and denied me my right to remove them from my account. The information they verified included dates that are inaccurate, or reported multiple different dates among all 3 agencies. Also another account says they received a 1099c and still have a balance owed for me to pay which violates the law and is tax fraud. And another instance is huge discrepancies between the 3 credit bureaus, they all have differences on the same account so I believe I am owed compensation as these account made it impossible for me to get a Credit extended to me for an emergency expense. In result I am in danger of losing my home because I missed payments on my mortgage. I would like them to remove the accounts, and pay me the restitution I deserve which is XXXX for each report being reported inaccurately and the balance of my mortgage thats past due now since they would not extend me credit based upon the inaccurate information they had reported.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc. (CA)

On XXXX/XXXX/2017 I was approved by Comenity Capitol Bank for an initial credit line of {$1700.00}. with PayPal Credit which included no interest or payments for six months. I have made XXXX transaction on this account, but am know being block by PayPal security. I have contacted them more than four times which they have continued to be unresponsive to my problem.
Consumer complaint received 2015-08-12
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (FL)

I am receiving excessive calls ( as many as XXXX calls a day ) from Navient, for my student loans. I informed them the loans are a part of the XXXX XXXX lawsuit and asked for a stop on payments. They refused.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Onity Group Inc. (FL)

One three separate occasions since XXXX XX/XX/XXXX I have had to contact Ocwen Loan Servicing so they could update my Date of Last Activity from XXXX XX/XX/XXXX ( incorrect date they keep reporting ) to XXXX XX/XX/XXXX ( correct date ). On all three occasions they have made the change, it has reflected properly on my XXXX ( no other has the account on their files ) to than five days later go back to showing the wrong date. we are now on the fourth time this same thing has occurred. Ocwen needs to be punished for doing this to a consumer. I have been denied credit, been unable to buy a car and most important refinance my house all because they are incompetent. I have been trying for 9 months to fix.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https : XXXX, screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}
Consumer complaint received 2023-02-28
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. (GA)

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 XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX # XXXX, 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX I complained to transunion that my credit report was showing a 90 days late payment, when I made the payment On-Time, after going through their investigation process, they determined that the 90 Days late payment was correct, even though my documention showed that I made a payment before the due date.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-28
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. (NC)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, 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 2022-10-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX company account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX BANK account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX BANK XXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act XXXX XXXX  company account # XXXX has violated my rights
Consumer complaint received 2023-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (OH)

I received my paycheck/bonus on XX/XX/23 into my XXXX Checking account, and proceeded to transfer my bonus payment to my Ally Savings account. When I went to transfer {$6000.00} from my checking account to my savings account, Ally Banking App sent me an " error '' message and told me that my transaction could not be complete after I submitted it. I just chalked this up to being in an airport at the time, so I figured I would try the next day. 

On XX/XX/23, I proceeded to submit a deposit for {$5000.00} from my XXXX Checking Account to my Ally savings account, and this time my request was processed, and was given a message stating that my request was successful. I did not think anything of it until I received an email yesterday morning showing that my transfer I originally put in on XX/XX/23 actually processed even though it gave me an error message initially. At this point today XX/XX/23, I was not able to cancel my request that I put in on XX/XX/23 ( due to error on my first attempt ), so this in turn massively over drafted my checking account. 

I tried this morning XX/XX/23 to transfer back my {$5000.00}, and again, I received the same error message from Ally bank. I contacted their customer service line, and they said that this is a known issue, and that their IT department is working on it. When I asked for a timeline on when this will be fixed, they were not able to give me anything. These error messages that Ally Bank are responsible for are making this situation incredibly financially stressful for me, and with bills being take out of my checking account automatically, and with no timeframe given by Ally on when I will be receiving my money back, I am stuck paying for my expenses without any money in my checking. 

Additionally, I am not going to be charged an overdraft fee from XXXX that is clearly no fault of my own. I really hope that you all can help as I pride myself on being financially independent, but this issue could potentially affect my financial responsibilities for months to come. Thank you all for your help - I appreciate it immensely.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX I purchased canopy chairs from XXXX XXXX and used my CapitalOne to pay for them. In XX/XX/XXXX, I returned the chairs to XXXX. XXXX issued me a full refund for {$130.00}. In XX/XX/XXXX CapitalOne finally issued a credit of {$99.00}. I spoke to XXXX XXXX at XXXX, he confirmed they issued a credit for {$130.00}. XX/XX/XXXX, I mailed CapitalOne confirmation from XXXX showing the discrepancy. 

XX/XX/XXXX, I received a letter from CapitalOne, they repeated they only issued a credit for {$99.00}. However, XXXX issued a credit to them on my behalf for {$130.00}, and not {$99.00}, therefore, I should have been issued a full credit. CapitalOne is saying it is too late to issue a credit, yet they did issue a partial credit.