davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I XXXX XXXX never entered into a contract or agreement with I.C. System based on the alleged debt that they sent me on XX/XX/2021 for a positive balance of {$62.00}. According to the Fair Debt Collection Practice Act, Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent is direct violation of 15 USC 1692c ( a ) ( 1 ). In Addition, Pursuant to 15 USC 1692b ( 2 ) which states you may not state that I a consumer owes any debt.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CT)

I have an early lease termination that was charged off in XX/XX/XXXX but it is still showing a balance due of XXXX. Its GM financial services on a XXXX XXXX XXXX. Im a XXXX American veteran  trying to buy a home and the mortgage broker is telling us the account balance should read {$0.00} for balance due. I was told by someone on the phone from GM financial that if I did the early lease termination it wouldnt affect my credit.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I tried to get my credit report with Equifax using annual XXXX XXXX and they denied me claiming they couldnt verify me when all information given was accurate. I did receive my reports from the other 2 bureaus! This is a violation of my rights Im under federal law.
Consumer complaint received 2021-07-26
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. (NJ)

I'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2021-07-26
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. (CA)

I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, XXXX and Transunion ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX   XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, Transunion and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, I discovered the bank had been charging me XXXX monthly fees on my account that was supposed to be free because of the direct deposit I had set up. 
From XX/XX/XXXX to XX/XX/XXXX I was charged XXXX  months of " maintenance fees '' when it was supposed to be free. 
I asked to speak to a XXXX and no one was available to see me. I received a call later that day, where the clerk told me the XXXX had only reimbursed XXXX  months of the fees. 
I asked to meet with management and I was told they would summit the request. 
I never heard back from anyone. 
Is frustrating that they did not take this seriously. I feel like my trust was violated. As XXXX XXXX every XXXX counts and the bank didn't care to just take my money. I wonder how many other clients this has happen to and have not noticed. If I had not discover this charges they would have continue.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I made a payment to XXXX a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from EXPERIAN that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (FL)

AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$940.00} Balance updated XX/XX/XXXX XXXX provided AMERICOLLECT with my medical information without permission. Theyre reporting an incorrect bill for services that were covered by XXXX XXXX XXXX XXXX XXXX XXXX This is the second time this company has tried to place a medical bill on my credit. The last time they tried it was XXXX and was told my XXXX  to remove the collection as the balance wasnt paid by fault of 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 — Account information incorrect
Company: EQUIFAX, INC. (NY)

Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff XXXX XXXX  was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX  cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable XXXX Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Submitted an investigation with credit bureau and Santander both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

CAPITAL ONE BANK USA XXXX, reported to the XXXX major credit bureaus that I was 30 days late from XXXX XXXX through XXXX XXXX and also XXXX of XXXX. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.
Consumer complaint received 2021-07-26
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: CITIBANK, N.A. (CO)

I had a flight cancelled XX/XX/XXXX due to Covid. The airline refunded the money to Citi on an unknown date. On XX/XX/XXXX Citi emailed me saying that I would receive a refund within 7-10 business days. The amount is {$610.00} ( XXXX Thank You Points + {$41.00} USD ). 

As of XX/XX/XXXX I have not received the refund. Each call to CitiBank / XXXX  / XXXX XXXX XXXX / Accounting dept yields a new answer. Here are a few : -check will be mailed early XX/XX/XXXX -check will be mailed late XX/XX/XXXX -refund was issued to a closed credit card account on XX/XX/XXXX -I should have spent the points in XXXX before closing the card (??? ) -refund in 1-3 billing cycles -refund in 7-10 business days Trip ID : XXXX Thank You Member Number : XXXX Flight info : XXXX XXXX  XXXX XXXX, 2 one way tickets XXXX to XXXX on XX/XX/XXXX My address is current on my Citi and XXXX profile.
Consumer complaint received 2019-12-13
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. (FL)

THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit file and noticed this debt. I called and settled this with them as soon as I got the chance. I was unaware about a charged off amount so I apologize. I ask that they please remove the account from my file as this has been satisfied. If this account can not be removed I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt. Please remove.
Consumer complaint received 2016-12-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capitol One has been calling me between 4 and 6 times a day. I just recently got back to work after an illness that resulted in hospitalization and the loss of my job. The phone calls are now causing a strain at my new place of employment and may result in the loss of this job as well. I have asked them to stop calling and have blocked several numbers.
Consumer complaint received 2023-06-23
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. (TX)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2021-07-26
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)

After reviewing my credit report, I disputed the information provided by XXXX XXXX XXXX on my report with Transunion on XX/XX/21. 

On XX/XX/21 Transunion investigation results : Information provided by XXXX XXXX XXXX were " VERIFIED and ACCURATE '' On XX/XX/21 File complaint with CFPB ( Complaint ID XXXX ). Complaint were sent to XXXX and XXXX responded back all in the same day. 

Results of complaint with CFPB : Incorrect and inaccurate report on my credit report by XXXX  were removed on XX/XX/21
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc. (TX)

Complete credit solutions reported a collection on my credit XX/XX/XXXX. I never received any notification before they reported it. I contacted them for the 1st time XX/XX/XXXX after checking my credit. To request a debt validation letter since I never received any notification. Then I called them again XX/XX/XXXX. I had spoke with a lady. She stated that she's not allowed to do nothing fraudulent. I was like " ma'am I'm not asking you to do nothing fraudulent, I simply just want some validation on this debt. Then she said she would have her supervisor call me. '' I received a called from the sup XX/XX/XXXX, and he said he would get a letter sent out. I received the 1st letter from them. Then I sent one back to request debt validation. They just been giving me the run around. Then I received another letter for the same balance from a different agency. I find that very bizarre. I need help addressing this issue.
Consumer complaint received 2021-07-26
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. (NV)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FIRST PORTFOLIO SERVICING INC (SC)

I have asked this company to send me details about this collections account by email or mail but have received anything but multiple calls a day everyday even after I have asked them to stop. When I do return the call, they wont give me any information without an account number ( which I do not have ) but they expect me to verify personal information.
Consumer complaint received 2021-07-26
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: LEXISNEXIS (FL)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and XXXX and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

I am submitting this complaint because I am being extremely affected by CALIFORNIA BUSINESS BUREAU INC, they are being completely unfair and I dont know how to g

et ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of m
y life with all this situation.

I want to give CALIFORNIA BUSINESS BUREAU INC. The chance to solve this matter before any legal action is taken.

Account information : Acccount name : CALIFORNIA BUSINESS BUREAU INC Date Assigned : XX/XX/2016 Account Number : XXXX Original Balance : {$1700.00} Demand and remedy : Deletion account and waive the balance.
Consumer complaint received 2021-07-26
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. (GA)

This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (MO)

Received letter from North Shore Agency that says it's collecting for XXXX XXXX XXXX. Number provided for North Shore Agency never lets you speak to a real person. I tried contacting XXXX XXXX XXXX directly and they say they don't have access to the information about such debts. We don't recognize the company name and the XXXX  listing for North Shore Agency makes me think this is just a scam they use to target people into paying money on debts that aren't theirs.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (LA)

I had an account with XXXX XXXX. The service was absolutely horrible. My service went out and was out for literally 2 months. It was coming upon my contract ending in a few weeks when I call them to end the contract early. I was told that I still had 2 weeks on my contract and that I would have to pay early termination fee of XXXX dollars. I agreed to the XXXX dollars and paid that during the conversation on the phone. They then proceeded to tell me that I had a bill for the services that I kept calling them about and telling them that I did not have services for 2 months. They kept telling me that I needed to pay a XXXX dollar service fee for them to send someone out to check my service so I refused to pay and terminated the service early and paid the early termination fee he said that I owed. Later they put a XXXX dollar collection on my report. I wasn't paying them for services that I wasn't receiving and wasn't going to pay them a XXXX dollar service fee for their equiptment to be serviced. They sent a box for me to send the equiptment back and I sent everything back to them also.