davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP (IN)

I opened an Associated Bank checking account on XXXX XXXX XXXX. I made an initial deposit of {$25.00} through a transfer from my XXXX XXXX XXXX account. A few days after this my AssociateXXXX Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$25.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I submitted in writing to all three credit bureaus requesting information on several accounts. Under the Fair Credit Reporting Act ( FCRA ), I formally requested to be sent any initial paperwork that I signed that legally they must provide to me within 30 days. 

Nothing was done other than to say your accounts were verified. No documentation was provided as legally required proving these accounts were accurate. 

I am hoping your organization can provide the legal help it was established to do, which is to help American consumers when we are following the letter of the laws under FCRA. 

Thank you in advance for your help. 

XXXX XXXX
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report to delete all inaccurate information that is invalid on my credit report. checking my file ive noticed that this has been an ongoing issue. none of the data is accurate on all XXXX credit reports. please review an remove the following data that is listed to correct my file.
Consumer complaint received 2023-05-29
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: BARCLAYS BANK DELAWARE ()

On XX/XX/2023 I purchased four ticket to XXXX. The site showed an amount ( {$6800.00} ) but my credit card was charged more ( {$7800.00} ). 
I immediately called my credit card to cancel the transaction, the agent confirmed the cancellation but a few days later I noticed the payment was still pending on my cc. When I called my credit card customer service they asked me to call the merchant which I tried to do but with no success.
Consumer complaint received 2023-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

Purchased a vehicle from US Auto Sales on XX/XX/XXXX for {$22000.00}. I found out XX/XX/XXXX that I could not pay my bill online like I normally do. Once I tried to call US Auto Sales, it stated that the loan was transferred to collections under XXXX XXXX XXXX. I started to XXXX and search social media and that's how I found out that US Auto Sales closed down and many accounts were transferred to collections. Not sure what is going on with things like titles and gap insurance but I'm hesitant on making the next move without some answers. My vehicle is almost paid off.
Consumer complaint received 2023-05-29
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: CAINE & WEINER COMPANY, INC. (TX)

I communicated to Caine & Weiner via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at Caine & Weiner agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an XXXX dispute, and after the investigation, XXXX UPDATED the collection item instead of deleting it. I am including written correspondence from Caine & Weiner where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with XXXX is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.
Consumer complaint received 2023-05-29
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. (CA)

XX/XX/2023 RE : Requested wave from Late payment 30days from XXXX XXXX account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that XXXX Payment was paid. I continued to receive a message that I couldn't pay for it in XXXX XXXX, but I thought it was a wrong message. Later, I found out that Debit Card had a XXXX XXXXXXXX payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down over 100 points. 
I want to make a good credit and I will ask you to exclude the credit company.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX, Equifax, and XXXX are reporting incorrect and erroneous information on my consumer report, they have failed to validate this account and it has multiple reporting violations including inaccurate payment grid, last reporting dates, and multiple missing info. This account needs to be removed immediately because it also says charge off and this car was paid in full and never late
Consumer complaint received 2022-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

MBA law in Texas put a collections on my credit report without any notice from them that I owed the debtXXXX XXXX XXXX XXXX Phone XXXX XXXX. This is a medical debt I know nothing about.
Consumer complaint received 2023-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I sent a certified validation letter to Phoenix Financial Services XX/XX/2023, I also informed Phoenix Financial Service they are not allowed to collect a debt in California Per Debt Licensing Act ( DFPI ) I do not know where this debt originated from. Please see attachments. If this is a medical bill, I have and have always had insurance. You also have this as an open account.
Consumer complaint received 2023-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXXXXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. 
I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. 
Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. 
I never consented or signed anything. This has affected my credit score. 
Their address XXXX XXXX XXXX XXXX XXXX ca XXXX, ( XXXX ) XXXX
Consumer complaint received 2021-12-31
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. (PA)

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Consumer complaint received 2023-05-29
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: U.S. BANCORP (CA)

XXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. 
I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. 
Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. 
I never consented or signed anything. This has affected my credit score. 
Their address XXXX XXXX XXXX XXXX XXXX ca XXXX, ( XXXX ) XXXX
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (FL)

I sent a request to investigate inaccurate account information on my credit profile on XX/XX/2023 and XX/XX/2023 Its now been 45 days since I sent my inquiry, but I have yet to receive a response. 
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CT)

In XX/XX/XXXX, my XXXX XXXX XXXX was paid off in full. The lease was with Chrysler Capital. There remains a loan balance on my account that is inaccurate and should be removed. 

Thank you, XXXX XXXX
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. (CA)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to severe XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 

XXXX. This late payment status is irrelevant BANK XXXX XXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within XXXX days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (TX)

The medical debt in question is past the statue of limitations. In violation of FCRA the collection agency is re-aging the account and presenting it as current. 

I called on XXXX the collection agency involved complaining about the account and they promised to have it deleted in 72 hours from the credit reporting. It has been a full week now and that account has not been deleted. I called the collection agency a 2nd time on XXXX and they promised a 2nd time that the request to delete account had been sent to the credit reporting agencies. The names of the managers that I spoke with at the collection agency are XXXX and XXXX. I was transferred by a receptionist at the collection agency to managers XXXX and XXXX who answered the call from XXXX. 

The collection agency is called Credit Management Company in XXXX PA. Phone number XXXX
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GAMACHE & MYERS, PC (MO)

I settled with XXXX XXXX on a debt which I dutifully paid for a year. Gamache and Myers tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with XXXX. I was represented by a lawyer who made this agreement, when Gamache and Myers contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call G & M to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.
Consumer complaint received 2023-05-28
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: Zions Debt Holdings (MI)

ZIONS DEBT HOLDINGS LLC showed up on my credit report today XX/XX/XXXX. I have been a victim of identity theft in the past and things come up in Florida from time to time. There have been reports filed in the past and I have no knowledge of an account from XXXX which seems to be a home security company. Shows debit was purchased by ZIONS DEBT HOLDINGS LLC in XX/XX/XXXX. I have lived in the same house for over 15 years and have XXXX has my home security system which is currently paid up to date. 


Again no knowledge of this account, Identity theft Victim.
Consumer complaint received 2023-05-28
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: CITIBANK, N.A. (CA)

1. CITIBANK purposely harassed the card holder from XXXX for the charges disputed by the card holder even it knew what it did was wrong from the beginning!

2. CITIBANK hired several collection agencies to do the same things, several collection agencies backed out after they got the disputing reasons card holder provided.

3. CITIBANK executive responding unit : reversed black and white at and fact twice in their letters to the card holder.

4. CITIBANK in XXXX again hired XXXX XXXX XXXX XXXX XXXX as its another try : filed civic case against the card holder. 

5. XXXX XXXX XXXX, XXXX requested the dismissal the case on XX/XX/XXXX just days before the trial date of XX/XX/XXXX, WHY! 

6. Card holder faxed a request ( 98 pages ) to CITIBANK disputing dept at XXXX and XXXX XXXX XXXX at XXXX, XXXX on XX/XX/XXXX, NO RESPONSE from either of these two, WHY! 

7. Card holder reserves the right for further legal actions against CITIBANK.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have continued to ask for a signed contract with a wet signature and can not get them to produce XXXX. This loan was taken out online and is fraudulent. 

XXXX XXXX XXXX reported XX/XX/XXXX {$1800.00} Reported balance. 
Highest balance {$3300.00} You've paid off 45 % of this loan. 
Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term XXXX month CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-28
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 — Investigation took more than 30 days
Company: STATEWIDE AUTO SALES (CA)

Reporting late payments during a pandemic calls in to make payment arrangements during pandemic. 

Reporting inaccurate information like dates and amounts of whats due on loan.

are violating the Fair Creah Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2023-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (IL)

XXXX XXXX XXXXXXXX - {$12000.00} owed after car was repossessed XXXX - XXXX - {$1000.00} after car was totaled settlement was made
Consumer complaint received 2023-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2023 I tried numbers times to make payments on Capital one on their web page, it would not take my payment on their web site. Tried calling them waited long time. When findly got through to talk with live person instead of their computer. Just pass there XXXX XXXX cut off time to make payment. I tried to explain I tried to make payment on their web site, their web site not working proper. They State they could not help me with their late fee because it pass XXXX XXXX ask supervisor she said same thing. Now I am charge {$37.00} they done this in pass amounted to XXXX in pass two years. I have completed about this in pass one time refined their late fee, now they would not. I tried three time to make this payment before their XXXX XXXX cut off time XXXX XXXX eastern time
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Collection agencies must be authorized to collect in the state their trying to collect in. This company does not have the right to collect debt in the state of Georgia. This is a violation of the FDCPA. Below I have attached the screenshots of my Credit Reports. Also, I have attached the company 's state licenses and registration.
Consumer complaint received 2023-02-12
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: CCS Financial Services, Inc. (SC)

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character