davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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. (MI)

The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.
Consumer complaint received 2022-04-15
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. (OH)

Experian credit reporting agency is reporting inaccurate information regarding my account their reporting a credit limit of {$0.00} dollars with a balance of {$160.00} how is that even possible then is reporting my actual credit limit of XXXX as my highest balance.
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Acceptance Rentals, Inc. (GA)

I took out a loan for furniture with Acceptance Rental in XXXX XXXX. Each month around the XXXX of each month, an automatic withdrawal was made on my account. In XX/XX/XXXX, I reached out to the company requesting a notice of completion and never hear back. In XXXX XXXX, I was contacted by them implying that I had a final payment due, which I disputed. 
I advised them that I was disputing any additional payments due and would research on my end. Also, I advised them, that it seemed odd that they would suggest that I owed them monies, when they were withdrawing out of my account each month with no issues. They were reminded that they did not under any circumstances have any authorization to make any additional withdrawals from my account six months later. 
This morning XX/XX/XXXX, I was checking my account and noticed an automatic withdrawal pending from my account from Acceptance Rental, which I did not authorize and have had absolutely no contact regarding anything. 
This company took it upon themselves to take money from my account with any notification, acknowledgement or agreement from me.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

For the past several months, I've asked CitiBank to remove fraudulent charges from my MasterCard, amounting to {$280.00}. 

Finally on XX/XX/2024, having spoken with Citi Security Investigation, It was agreed that these phony charges would be eliminated on my next billing statement. However, this did not happen. Trying to contact the individual with whom I previously spoke, the phone number which I had could not be used external to CitiBank. 

CitiBank never responds to my written complaints.
Consumer complaint received 2022-12-18
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. (NC)

I paid off the amount from XXXX consumer in full in XXXX of 2022. I checked today to make sure everything was okay and then I see that it says that I missed a payment and owe XXXX dollars which is false information. I do not owe any money to them and confirmed with them that everything was paid off. This is false information and dropped my credit score for absolutely no reason. They are refusing to help me.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

I was co signer at XXXXXXXX XXXX XXXX XXXX  for 1st year and my name was removed for 2nd year, after that my friend vacant the apartment and all dues was paid, I am attaching receipt with this, still they have report for collection.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans. I requested this information to be corrected XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-04
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 : XXXX account # XXXX XXXX XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX 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
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-04
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. (NY)

On my Experian credit report, I have tried to dispute the 30 day late payment many times. Both XXXX and XXXX have made the appropriate changes, but Experian is just ignoring my requests for updates. During the COVID lockdown in 2020, XXXX branches were closed and I call them to tell them that I could not come it to make my payment on my credit line. Under the CARES ACT of 2020, my XX/XX/2020 payment should NOT be marked 30 days late., This is a violation of the law and under the CARES act should not be marked as late. Both XXXX and XXXX have made the updated notation, but Experian is ignoring my requests to update it. see attached report summary
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (TN)

We have this Citi checking account ending in XXXX, that is linked to a brokerage account. The average monthly balance required to avoid the monthly fee in {$1500.00} in all combined accounts, and our combined balance in both accounts is well above this number. However, Citibank keeps charging a XXXX XXXX monthly fee each month. We called last month, and a rep acknowledged that everything was correctly set up and linked and the fee should not apply, and he removed the fee. However, Citibank charged the fee again this month. Upon speaking with a rep, she is saying that she is unable to access our account and then hung up the phone on us, when we asked her to close the account.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account that is with Capital One was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from capital one that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing XXXX date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my XXXX credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my XXXX in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-13
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 (MI)

This company is currently showing 60 days late in XXXX XXXX, 30 days in XXXX, 30 days in XXXX and 30 days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
CAPITAL ONE XXXX Balance : {$110.00}
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have informed Portfolio numerous times stop sending me information it is a very old debit that have been discharge from my credit report years ago. My concern is other people as well I mean a very old debit that they are trying to harass and abuse people for. This type of harassment need to stop like yesterday, me I throw it in trash but what is other people are doing worrying and paying them.When you talk to them is like talking to XXXX or scammer.
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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
Consumer complaint received 2022-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Phone call made by Portfolio Recovery from phone number XXXX on XX/XX/2022 when no contact was requested on XX/XX/2022 when they called from a different phone number. I blocked the previous number they called from but then they called again from a different number when I asked them not to.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have tried to send letters to XXXX, Equifax, and XXXX. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (UT)

On XX/XX/XXXX, I received a notice from Bonneville Collections stating they were representing XXXX XXXX XXXX on a debt owed in the amount of {$5100.00} and that I had 30 days to dispute it. I sent Bonneville Collections a letter on XX/XX/XXXX disputing this debt they purchased from XXXX XXXX XXXX. I don't owe this debt and have been disputing this debt directly with Mr. XXXX XXXX - the owner of this lawfirm since XX/XX/XXXX. Mr. XXXX XXXX acknowledge my dispute via email on or around XX/XX/XXXX and apologized for the way I was treated by his law firm, but then all correspondence with him ceased - even though I attempted on numerous times to get him to get this settled with his accounting department - which he failed to do. I also sent them proof regarding the fact that I had been disputing this debt since XX/XX/XXXX and sent them copies of my correspondence to XXXX XXXX and his accounting department too. 
Bonneville Collections NEVER responded back. 

On XX/XX/XXXX, I called to try to handle an outstanding medical debt in the amount of {$180.00}. It was at this time that XXXX advised that my account with them had an outstanding balance of {$5800.00} stating that the remainder of this outstanding collection was for monies owed to XXXX XXXX XXXX. I informed them that I don't owe XXXX XXXX XXXX anything and that Mr. XXXX XXXX is fully aware of breach of contract I had with their law firm too. I questioned them about the invoice I received from them dated XX/XX/XXXX wherein they fail to notify me who this debt is for and instead say " Referred by : Your Creditors. '' XXXX stated that they could report this outstanding debt because they had a contract wherein I signed stating I would pay XXXX XXXX XXXX for their services. This is accurate, but I also fired XXXX XXXX XXXX because they failed to hold up to their commitment of our contract ( breached contract ) and I had to go elsewhere to get the assistance me and my XXXX XXXX XXXX XXXX sons were needing/seeking with regards to our Temporary Restraining Order and Custody Case.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (UT)

I have been charged {$98.00} per month for XXXXXXXX for the entire life of my loan. I have been told several times, by several different employees of Shellpoint that I need to pay off XXXX % of my loan to get the PMI removed. They have been lying to me in order to charge me an extra {$1200.00} per year, and I want that money back.
Consumer complaint received 2023-02-25
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 {$2200.00} 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 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me : MIDLAND CREDIT MANAGEMENT XXXX {$1200.00}, MIDLAND CREDIT MANAGEMENT XXXX {$510.00}
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank is my mortgage company. I closed on my home in XX/XX/2021. I got various quotes for homeowners insurance and chose the policy with the best rate. At some point, Flagstar paid three insurance payments, two identical payments of {$2100.00} each for a policy I don't have ( XXXX ) and XXXX for the correct policy of {$980.00} ( XXXX ). I received a new escrow analysis with an increase in escrow of {$260.00} per month. Naturally, I contacted Flagstar and discovered the error, however, at the time, I was told only one erroneous insurance payment was made, or that the second erroneous payment was reimbursed to Flagstar by the insurance company. I had to cancel the XXXX policy and request a refund of {$2100.00} so that I could forward the payment to Flagstar. I did so and was advised that a new escrow analysis would be made. I received it, but the amount is still wrong. My payment went from {$1600.00} to {$1600.00}, an increase of {$71.00} per month. Depending on who I speak with at Flagstar and after many calls, I get different answer as to what the increase is for. Some say it is due to the insurance issue, some say they require a " cushion. '' My homeowners insurance is the same, my property tax went up approximately {$60.00} for the year and so my payment should be {$1600.00} ( as was confirmed in one of my calls with XXXX ). My last call today with XXXX indicated my payment would go up in XXXX to {$1700.00} because of the " shortage. '' When I ask what the shortage is for, I am told due to the overpayment in insurance even though she acknowledged that I took care of it. Now I am advised there were three insurance payments. I ask which insurance and am told they do not know. I have gone round and round with Flagstar and can not get an appropriate response. Botton line, I believe my payment should be {$1600.00}. I have made every effort to resolve this issue based on facts. I am beginning to feel as if I am a victim of predatory lending. Ironically, the payment Flagstar is saying I owe would have likely not been approved when I got the loan in XX/XX/2021. Now they don't care. They have seemingly picked a number out of thin air and just expect me to pay it with no questions asked that I can't get a straight answer as to what the extra amount is for. Perhaps someone more knowledge than me can get a straight answer and get around the confusion and doubletalk. The escrow analysis also doesn't make any sense. Thank you.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received the approved credit card and one declined from Bank of America that I never applied for last name was spelled with one letter short I called the one and they told me to report it to this
Consumer complaint received 2022-06-04
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. (NY)

Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX  XXXX XXXX ), XXXXXXXX  ( XXXX ), XXXX XXXX/ XXXX XXXX XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX  XXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NV)

I have an apple credit card that I never use. I was alerted on XX/XX/XXXX from my fraud protection company that I was delinquent on my account. I checked the card and saw small charges that I never authorized. The charges are listed as followed ; XX/XX/XXXX. {$.00}. 
XX/XX/XXXX. {$5.00}. 
XX/XX/XXXX. XXXX XXXX. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 

I contacted Goldman Sachs/Apple on several occasions and they gave me the run around. Several managers said they would credit back my account for the {$8.00} and would have it removed off my credit with the bureaus. I have not used this card since I got it and did not authorize any transaction. I never received any notification of past due by email, text or postal mail. Today they notified me that they would not take the charges off that they believe they are accurate. They can see from my history on this card I never have used it. Why would I allow {$8.00} to ruin my credit?