davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (IL)

On XX/XX/23, Merchants Credit Guide illegally and aggressively reported {$1400.00} for the XXXX XXXX XXXX XXXX, Account # XXXX to all 3 credit bureaus without even notifying me of this debt. I have XXXX knowledge of this debt! They failed to provide me any correspondences or notifications. XXXX is my insurance provider. XXXX pays all of my medical bills and no medical bills or medical debt is reported to credit bureaus because they pay them! I am requesting that this debt is removed and deleted from all 3 credit bureaus and that this company is penalized for their actions. 

On XX/XX/23, I disputed this collections with XXXX for removal, and today, XXXX, XXXX emailed me saying Merchants Credit Guide confirmed this debt and XXXX said there is nothing they can do ; to contact CFPB for support, which is why I am reaching out for assistance. Debt collectors just can't go around reporting unknown debt straight to credit bureaus without even properly notifying people for validation etc ... and failing to provide any notice or awareness. This is completely unethical! 

Thank you.
Consumer complaint received 2024-03-29
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Contacted Capitol One credit card regrading card account. XX/XX/2023 spoke to account rep explaining that I am dealing with a hardship lose of employment. I stated that I am calling to find out what my options are so that I am able to keep account in good standing with Capitol One. The account rep told me that I would qualify for a three month program that I would not be charged late fees. But, Capitol One can place on credit bureau that I am late with my payment. I contacted them early on so that I will not have to be faced with this issue. Asked what I can afford to pay but my payments are the same. So I feel that this option was not a resolution to resolve what I am dealing with a loss of employment. I stated I can't afford the payment that I have to pay at this present time. I was mislead within how this program was explained to me. No assistance on being able to stay in good standing with Capitol One credit card.
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (AZ)

I got this line of credit on XX/XX/XXXX. I call and spoke with a representative because the had my payment date wrong. The representative said he/ she fix it. I have made my payments on time every time : payment dates as follows : XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and the last payment made on XX/XX/XXXX of XXXX... They are saying I had a return ach payment. Never have I had a return payment. They are saying it was saying it was XX/XX/XXXX. This is not correct neverrrr had a notice from my bank. XXXX I stopped XXXX. Because I like to pay on my own. And I pay in advance. They have charged me and absorbent amount in interest and saying I'm 72 days pass due. One point being how can I continue to withdraw from this account if I'm pass due. Which you can clearly see I'm not. This companies payment system is all screwed up. Furthermore I have never received a contract with what my interest rate is. All I was told in the beginning that there is a fee biweekly which I'm assuming is the interest of what they charge. I also asked my rate several times never has anyone been able to answer my questions. I want this account closed and also my account to reflect always on time with no additional interest. You can pull the calls as they say calls are monitored. I work for a bank and all of this is a violate of TILA.. I don't even have an account number because their website is very vague.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was recently a victim to fraud where a company I never heard of charged my card {$580.00}. I made a claim with my bank ( Bank Of America ) and they put the funds back in for me but I just got a letter saying that my claim was denied and now they are taking back the temporary claim.
Consumer complaint received 2017-01-16
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Performance Settlement, LLC (NY)

I have recently hired a company who claimed to consolidate my student loans with the Dept. of Education using program called " Obama Student Loan Forgiveness ''. I know I could have done it directly with the dept of education, but since I work very hard I thought I would not have the time to do this.They made me sign a contract, which seems to be " irrevocable '' and made me liable to pay them {$1400.00} over the course of 3 years to keep renewing my consolidation applications. First problem I had with them is that they made many mistakes on my case and I had to keep calling to correct, such as personal info. Next, they promised I would be paying as low as {$36.00} a month for my loans, which was later confirmed as wrong by the Dept of Education. Next, they promised that all the debt will be settled in less than 20 years, which is NOT what the dept of Education has as true. So far they have taken about {$250.00} dollars from my checking account. Every time I tried to call them to express dissatisfaction with their services, I receive rude, angry and demeaning attitude from the representatives working for this company. I have put a stop in the payments and wish to not continue being taken advantage of by them any longer. Please help!!!!
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NM)

My name is XXXX XXXX My address in XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX My Apple Credit Card issued thru Goldman Sachs was restricted and no follow up from company has been received. I spoke with Apple Card support and they gave me no reasoning why my account was restricted. They also have not returned my call or offered any solution for this issue. 
I have had this account open for over 2 years never missed a payment, I am a great customer and this is how they choose to treat a loyal client. 
I would kindly like to ask that my account be unrestricted and charging privileges reinstated. 
This is my favorite credit card and I would love to be able to start using it again.
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I have experienced difficulties with a specific debt collector Resurgent Capital Services L.P. concerning the collection of a debt allegedly owed by me. I firmly believe that the practices employed by this debt collector are questionable and possibly in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. 

Outlined below are the specific concerns I have encountered during the debt collection process : Harassment and abusive communication : The debt collector has engaged in relentless and persistent communication, including frequent phone calls, despite my request for communication to be conducted in writing. The nature of these calls has been harassing and intimidating, often involving threats and abusive language. 

Lack of validation of debt : Despite my repeated requests for documentation validating the debt and proving their authority to collect, the debt collector has failed to provide adequate verification. I am concerned about the accuracy and legitimacy of the debt in question. 

Unfair and deceptive practices : The debt collector has resorted to misleading and deceptive tactics in an attempt to collect the debt. This includes making false statements, misrepresenting the consequences of non-payment, and failing to disclose pertinent information, such as the debt 's origin or applicable statute of limitations. 

Violation of consumer rights : The debt collector has neglected to adhere to the provisions of the FDCPA, such as failing to provide required notices or refusing to cease communication upon request. These actions have infringed upon my rights as a consumer and caused undue distress. 

I have diligently attempted to address these concerns with the debt collector directly, but their behavior persists. Given the gravity of the situation, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify these violations. I believe it is crucial to hold debt collectors accountable for their actions and ensure that consumers are treated fairly and with respect. 

Enclosed with this letter, you will find copies of all relevant correspondence and documentation, including communication logs and any written requests I have made to the debt collector. I hope that this information will aid in your investigation and provide a comprehensive understanding of the situation. 

I appreciate your attention to this matter and anticipate a swift and thorough response. Please keep me informed of any developments or actions taken in response to my complaint. Thank you for your dedication to consumer protection and for your commitment to upholding fair debt collection practices.
Consumer complaint received 2017-04-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My husband bought a land lot in XXXX using a Bank of America home equity line of credit for {$82000.00} - in his name only - against our home, which is in both of our names, as a 2nd mortgage. For the next 10 years, he paid only interest payments. He died in XXXX of XXXX. The very next month after his death, the payments on the HELOC only went from {$340.00} / mo. to {$780.00} / mo. I tried to talk to BOA about refinancing the loan, but they would not because it was in his name only. I have submitted to BOA his death certificate and legal letters testamentary. These had no effect. I tried to go through XXXX, but Bank of America would not agree to be the secondary loan, because my name is not on the HELOC. But, I AM required to make the monthly payments on time. Since my name is on the original home mortgage ( with XXXX ), I have to pay. Also, they still take automatic deductions for a savings account that was in his name only, but will not let me access it. XXXX Mortgage worked for months trying to get BOA to agree to be the secondary loan, but I only spoke on the phone about this matter to my loan officers. There are no papers to attach regarding this. I have attached all relative papers I have.
Consumer complaint received 2022-11-29
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. 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. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.
Consumer complaint received 2024-03-14
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)

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a 401k loan check iao {$1500.00} XX/XX/XXXX. 
I spoke with a supervisor XXXX on the XXXX that told me my funds would be available the next day. 
Funds were not available XX/XX/XXXX. 
I called and spoke with a rep XX/XX/XXXX that told me my funds are not available because the issuing bank says they are not available. 
I called the issuing bank and they said of course the funds are available as the funds are a loan against my 401k account. Which Im already paying back and dont have access to the funds. 
I got the loan to pay bills I knew were due at this time. Because my check is being held my water has been cut off. My internet has been cut off and XXXX XXXX XXXX XXXX. My car note is now late and my power will be cut off on the XXXX of XXXX. 
There is no reason my loan check from my 401 k account should be held up. Its not only my money but its my money Im already making payments back to myself on. This has ruined my eligibility with the connectivity program to get my internet at a discounted cost. I havent been able to bath and the worse of all I have not been able to work so Ill be in even more depth. 
My funds are available! My funds are good! There is no reason my 401k check should be held up. I could have had the check cashing store cash my check immediately but I trusted chase. But now youve ruined my life. Please release my funds. At the very least create a new process for a 401k check. Its my money 3x over. Your reps should have not lied.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things in my credit report to on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the wrong person.
Consumer complaint received 2023-06-01
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: Payfare International Inc. (GA)

On XXXX the XXXX or XXXX I believe I reported a unauthorized transaction {$450.00} as well as many. More onauthorized transactions that were used by my account online to purchase product On websites that I have never ever been a nor used. I contacted the merchants to try to resolve the problem at first then I contacted my XXXX  pay direct who is payfare And reported a unauthorized transaction they sent me a list of information and procedures I needed to do in order to dispute this transaction that amounted to a. {$150.00}. I did every single thing and have more than proven that this was not me who authorized the transaction. Nor was the one who even had any part to do with the transaction. I offered to go get a price report. I was told through email not to do that it was not necessary. I provided all and any documentation to communication with the merchant. And I was told that there would be no more than 60 days. It has been over 75 days now. I have emailed numerous times with no response whatsoever. I have now contacted on more than XXXX times every single day for the past 10 days with run around and more than likely most times. They just hang up on me with no response. They just tell me it's been sent to another department and then they hang up on me every single time. They do not allow me to even say anything else once I figure out that it's me. I would like a resolution because I know just as well as they do that this was not me. My card information was stolen because I left my card accidentally at a gas station on the counter. I even went to the gas station to. I have a precious report filed against the convenience store clerk. Who I believe is the one that stole my Information. Payfare has been more than unprofessional and more than unresponsive to any and all of my concerns regarding this because I am a XXXX XXXX Full time And I generate more than {$7000.00} worth of taxi for the company every single month consistently for almost a year now and to be treated and this type of manner with no help no resolution and any and all promises and guarantees made by this company to resolve my issue for the money that I hard earned honestly. And you have complete and total disregard for that and complete and total disregard for my contribution to the company at 2 try and have a decent honest. Living to have no help whatsoever and as I say again complete and total disregard or any type of loyalty from their end on their promises and they're guarantees it's like falsely. Promote is a disgrace and I'm ashamed that I even have to do this to make a living now knowing that I have no type of protection. Whatsoever when it comes to the money that I make for thiscomforting
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (NV)

in accordance with the Fair Credit Reporting Act 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.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (MS)

I HAVE 96 INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.