davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
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: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVER PL XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX Account number XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint submission is in regards to a false credit report by Portfolio Recovery Associates LLC, XXXX XXXX XXXX, XXXX, VA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's email so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2020. At this point in time Portfolio Recovery Associates LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of XXXX {$2800.00} XXXX. I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting Portfolio Recovery Associates LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Portfolio Recovery Associates LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 
Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 
What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The original creditors disclosed my personal information and my child personal medical information to the agency ( Rash Curtis and Associates ), which in turn disclosed that same information to the bureau. My privacy and my child privacy was violated in which we are protected by the HIPAA laws. I did not give the hospital permission to release my child personal information such as specific treatment and etc outside or basic collecting information. This will be forwarded to the U.S. Department of Health and Human Services Office for Civil Rights.
Consumer complaint received 2020-02-29
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: DISCOVER BANK (MA)

I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and when I received the item I saw it was fake declare value on the package was {$10.00} so I opened and dispute with XXXX they told me to return the item to the seller to receive full refund. 
I did return the item on XX/XX/2019 and somehow the item could not make to it's destination because I believe the address the seller provided is not valid. 
The item was stuck in transit for more than 4 months and I thought the item was lost since XXXX and USPS International could not help me out so I panicked and opened another dispute with discover which was the card I used to make the purchase. 
Then I lost the case with discover card because the item was lost and not delivered to the seller and I didn't have any other support evidence to keep the case alive so they close it while the package was in transit to seller 's destination. 
Somehow 2 days ago I received the item back since it couldn't the delivered, I contacted XXXX to tell I received the item back which according to their policy I am legible for a refund but XXXX can not issue the refund because Discover card now is in charge of the dispute which is closed so I have been calling both departments back and forth and none of them can help me and feel stupid. The item I have in my possess is not worth {$900.00} dollars and I need your help.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (MS)

I have tried twice through the credit bureau to get HSBC of XXXX, N.Y. ( XXXX  XXXX ) to close my credit account. I was sent letters to call an 800 number to close the account. They never pick up, even after a 20 min. wait, then 30 minutes, then 40 minutes. I suspect they NEVER pick up the phone. And why should I call to close my account if they have a letter from me with my signature? Why do I want to close my credit account? Because I do not like the way that they do business.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

This complaint submission is in regards to a false credit report by EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XXXX XXXX. It was confirmed through fax confirmation that a EOS CCA representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time EOS CCA has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$1000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting EOS CCA immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-22
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 (CA)

On XX/XX/XXXX, I ordered two XXXX XXXX '' XXXX XXXX Laptops from the merchant XXXX, these two laptops were intended to be a secondary work laptop and an educational laptop for my little sister for her school. It was shipped via XXXX carrier, and a signature was required for receipt of delivery. As I opted for next-day delivery, it was scheduled to arrive on XX/XX/XXXX, and knowing it needed a signature for receipt, I had planned to be home all day. XX/XX/XXXX rolls by, the carrier never showed up on my home and my package was marked delivered and signed by a signature " XXXX XXXX ''. Tracking showed it being delivered at XXXX on XX/XX/21, however, upon checking the security cameras on the front of my home and yard, no delivery person or even any vehicle passed by my house or stopped in front of my house around that time. 

I waited until the next day to contact the merchant as it may have just been a mistake, after chatting and explaining to the agent what happened. They simply said " XXXX you please contact your bank and dispute your charges ''. After explaining I have proof the delivery never even happened to the correct address, they just kept insisting to just dispute my charge with my bank. So I went ahead and did just that. Once I called Capital One to submit my claim/dispute my charge, I told them additionally that I have screenshots of the conversation with the live agent that they were instructing me to dispute my charges with my bank. I don't remember what the agent said, but if I recall correctly that they were going to send me a link to upload my evidence, but I never received that link. 

A month goes by and Capital One sided with the merchant, despite me having proof via my cameras that no delivery occurred when it was marked as delivered on the tracking and with XXXX 's own customer service agent telling me to dispute the charges with my bank for a refund.
Consumer complaint received 2019-01-31
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: U.S. BANCORP (TN)

I have had a joint account with my mother with US BANK for our mortgage for 30 years. This loan has been paid off. During the last 6 months or so, before paying off the house the payment amount changed because of the escrow. We were unaware of this change for a couple of months and CONTINUED to mail in the usual amount. After receiving a letter in the mail, I called and we were informed of the new amount. We were also informed that because we did not mail in the new amount, it was shown on the account as delinquent and reported to the credit bureau on both of our credit reports. I feel like this is unjust, for a client that has paid their mortgage on time for 30 years. I also feel like it is unjust because it was not a missed payment, but not the correct amount ( which I believe was less than {$100.00} per month ). This was not an ongoing issue, it happened when the escrow changed a couple of months before the payoff. I would like to see this negative information removed from both of our accounts. Thank you
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (SC)

On XX/XX/2019, I contacted the Southern Finance in XXXX SC in regards to harassing phone calls to my phone, my husbands phone and to the reference on mine and my husbands accounts with them. Also, they spoke with my mother in regards to my and my husbands information about the accounts there. The manager XXXX acted as if she didnt care about my complaint and so I got the home office # and left a message with a receptionist for there supervisor to call me, so about 30 mins maybe he calls me, I told him my concerns and told him that I know these things are illegal and he acted as if all he was concerned with is when we where gon na pay the bills, not about us as his customers or my concern at all, so I told him I would be contacting the XXXX XXXX XXXX about this matter, he got made and told me he would see me in court and hung up.
Consumer complaint received 2019-12-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4000.00}, {$1000.00}, {$150.00}, {$2500.00}, {$860.00}, {$1800.00}, {$1500.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX   XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$1800.00} -This is not my account.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-29
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: ID Analytics, Inc. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Consumer complaint received 2020-02-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Central Holdings, LLC (LA)

On XX/XX/2020 Credit Central, LLC and XXXX ( the XXXX, Louisiana Branch ) used my social security number without me signing an application on XX/XX/2020 to access my credit reports. I called and spoke to the representative XXXX XXXX on XX/XX/2020 and she told me that they had to right to pull a hard inquiry on my credit report in order to find my current address. Once my credit file was accessed illegally, a member from Credit Central, LLC and XXXX named XXXX XXXX came to my home at XXXX XXXX  on XX/XX/2020 and rang my doorbell several times. I was asleep in bed with my XXXX XXXX who was XXXX  on XX/XX/2020 and the doorbell rang so loud waking myself and my XXXX. This company has also sent representatives to my grandmother 's home to look for me in the past. I am one payment behind and I spoke to the manager XXXX on XX/XX/2020 and notified her once I received my income tax, that I would pay the account in full because I am out on maternity leave and do not have any income coming in at the moment. XXXX asked me could she file my taxes because they have a tax service and I notified her that someone else prepares my income taxes.. She informed me that I could get a cash advance if they filed my taxes and I refused. Again, fast forward to today, this company has accessed my credit report without any signature my from authorizing them to do so on XX/XX/2020.
Consumer complaint received 2020-02-29
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NPAS, Inc. (GA)

I think the payments started XXXX 2018. The amount was around {$1200.00}. I am currently set up on a payment plan repay the debt. I have inquired about a settlement to so that i can be relieved of the debt, but one is not being offered.