davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MN)

To whom it may concern I disputed Wells Fargo XXXX XXXX the original dispute was included in bankruptcy was not added to XXXX XXXX XXXX XXXX. You claim the information was added i revised the credit report with a new credit report the information is still not there which put you in FCRA i demand that you remove this account in its entirety I asked you to review XXXX credit report that is uploaded and circle where do you see included in bankruptcy! 
Also you failed to notify the bureaus that consumer disputes!! Is another violation of the FCRA. 
Per the reporting agencies there was a updated done by you and you failed to note the account as consumer dispute. 


Also the account was open on XX/XX/2017 the payment history is incomplete which is another violation of the FCRA based on the credit report Wells Fargo I dont want to sue you for XXXX in FCRA violation but I will if I have too FCRA states consumer credit report must be 100 % accurate and verified remove the account from XXXX XXXX and XXXX immediately
Consumer complaint received 2022-12-26
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX  Account number : XXXX The notation of the late payment is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-26
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I canceled my credit card, after that I have a refund that XXXX made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MO)

Good day and thank you for reviewing my complaint. 
Recently I checked by credit report and found that the company XXXX ( now with collections company Convergent Outsourcing ) had put a derogatory marking on my report regarding an account I had with them that ending in XX/XX/2018. I have documentation showing I paid for my monthly service as normal however the last payment that I made to them ( on XX/XX/2018, screenshot of a text confirmation is provided ) was never reflected on statements thereafter. I cancelled by service with XXXX 4-5 days before my next billing cycle would begin. In essence, I should have had a prorated adjustment to my account and that didnt happen either. I was no longer in contract for mobile service with XXXX and I didnt have cell phones that were in contract with them either. I have enclosed copies of my XXXX statement, copies of my XXXX statement showing when I transferred service and a screenshot of the text payment confirmation. I talked with someone back in XXXX after cancelling my service and thought this was resolved. I have no idea why 2 years later this showing up on my credit report. This issue has put a negative baring on my credit report and am furious about it since I am in close marking to having excellent credit. This report made my rating go down XXXX points! I dont believe I owe XXXX anything thing. I would be greatly appreciative into looking at this dispute and discrepancies. Thank you in advance for your time and research.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have a lot of inquiries on my credit report that I did not give permission for. I have no idea why these are on my experian credit report. Please delete all of these inquiries they are all fraud. 
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 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (MD)

This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.
Consumer complaint received 2023-08-09
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 (TN)

I have talked with the company several times about charging fees for an amount I disputed to a vendor in XXXX. They did not honor my request to not pay this vendor, and I refused to pay them. I ended up paying the vendor, but since I was also filing a complaint with the XXXX XXXX XXXX, I wanted to wait to find out if they were doing anything on their end. Meanwhile, the credit card company ( Capitol One ) kept charging me fees and interest. I talked with them yesterday, and after being put on hold several times and ending up with a foreigner who I couldn't understand, was told I would have to pay the fees. I feel that it is unfair that I should be charged fees when I was not served by the company in trying to keep from paying the vendor, who was negligent in their service.
Consumer complaint received 2022-12-26
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: DISCOVER BANK (CA)

Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, Balance : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. 

I also filed a dispute with XXXX  for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX  dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Consumer complaint received 2022-12-26
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. (IL)

Experian is misusing my credit report for purposes that aren't allowed by law. Pursuant to 15 U.S.C 1681a ( 2 ). My report contains information solely as to transactions or experiences between me the ( consumer ) and the ( corporations ) " person '' making the report. This is detrimental and harms my reputation and mental health. These reports are causing " persons '' to turn around and violate me by harassing me and using obscene or profane language.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: N.A.R., Inc. (UT)

A few years ago my husband and I went through a bankruptcy. After the bankruptcy was dismissed I received 2 bills from NAR requesting payment. I contacted them immediately and let them know they should have been covered in my bankruptcy. They told me to contact my attorney and find out if the debts are owed. I reached out to the attorney which took a while, but he stated that one of the bills they were trying to collect was in fact included in the bankruptcy however the other was not and I needed to make arrangements to pay that one as it was for a date of service a couple days after filing. I again contacted NAR and shared the information I had obtained. They said, " sorry '' for the " mistake '' of trying to collect on the debt that was dismissed and gave me the balance on the other which included several fees and negative credit reporting. I told them that they made the mistake to collect on a discharged debt and I made a mistake by thinking they were both in the bankruptcy however I had contacted right away and disputing those and now trying to make that right. I felt it was fair that they remove the fees and negative credit reporting. I was transferred to several different employees and back again. For at least 3 years now I have called off and on to try to get this debt settled and removed from my credit. Each time I go through their transfer game, get a voicemail that is never returned, and a promise for supervisor review and a call back within 48 hours that is never returned. I sent an email over a year ago regarding the situation and telling them I was going to file a complaint that they continue to report on my credit but on not following through to allow me to properly manage the debt, not returning my calls when I have been told it is noted in the file several times. Same thing, calls and promises of call back with nothing. They never sent me a bill in the mail since the one that raised the question to begin with and have not sent anything since. They just continue to refuse to have their upper management review the file and come to a solution since they obviously made mistakes that violate the debt collection act as well. Now they continue to cause harm by reporting and not returning calls I am making to them. They also at one point did offer me a settlement that took a portion of the fees they have added off but told me they could not put it in writing for me that it would satisfy the debt in full. Another issue since this company apparently can not be trusted to keep their word and not engage in shady collection practice. I would like them to provide me a copy of all of the file notes from representatives from the date that they opened the file. I also have copies available of the bills they sent available upon their request.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

J.C. Penney ( Synchrony Bank ) closed my acct due to returned payments. These payments were not done by me nor from my XXXX bank acct. The payments are more than the balance at that time, my credit limit was much less than the payment or charges on the acct, I have received a letter stating that the payments have been applied in error and they r sorry, However they still have my account closed and said that I have to re apply to open my acct!. I have been a member/card holder since 2002 with no issues at all, I am now a Platinum member an I feel I shouldnt pay for someone elses mistake. And Im really XXXX!!
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On around XX/XX/2021 someone opened up an online account using my personal information with Capital One. I called several times in attempt to get help with this and was told an investigation would be conducted but I never received any correspondence with this company until I made an report. The company claimed that the account was mines due to them matching my address with the same address that was on file to open the card. I recently contacted the FTC and obtained my Identity theft report which I call today to give to Capital One. I was transferred to several departments before the phone hung up on me not getting any assistance with this matter. I am demanding that Capital One does a reinvestigation of this account and deleted all negative information from my consumer report.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (MS)

XX/XX/XXXX, Diversified Adjustment Service reported a collection account to the credit bureaus as belonging to me. I disputed the account because it was not listed in my name, and I did not have an account with XXXX. XX/XX/XXXX, I filed an identity theft report and made a complaint with CFPB. The debt was removed. Diversified Adjustment re-aged the debt and reported as a new collection on my report and placed the debt back on my XXXX report in XXXX, XXXX. I sent in proof that the account had been removed because of Identity theft. It was removed. Again the account is not listed in my name. Then the company added it to XXXX, and I sent in evidence to them and they removed it between XXXX and XXXX, XXXX. Now, XX/XX/XXXX it has shown up on XXXX without any notification from the debt collectors. It was also reported and removed from XXXX in XX/XX/XXXX. This company completely ignored the identity theft report I made on this account in XXXX, XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank has taken every step to avoid paying out their " Promotional bonus ''. After recently submitting a case to XXXX, I discovered why TD was withholding the " bonus '' which makes no sense. 

It is clear that TD was running a promotion for their Beyond Checking. It is documented throughout the internet and I received a flyer in the mail even though TD declines they sent one ( unfortunately I recycled it after signing up as I did not expect to be scammed by a large bank ). 
https : XXXX https : XXXX XXXX XXXX XXXX To say the only " online '' promotion they were running was the Direct Mail Checking Promotion is just false. To make matters worse, even if that were true ( its not ), I still received a promotional mailing which they somehow can't track ( how convenient ). 

Second, if the only " online '' promotion they were running was the Direct Mail Checking Promotion, why did 4 TD Bank Digital Specialists as well as a representative at a local branch ( who spoke directly to the promotion team ) only mention the issue of time? 

Upon further digging into reviews, this is not the first time TD has promoted bonuses and then avoided paying them. 

Just recently on the XXXX  website : XX/XX/2019 " I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$300.00} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my government employer, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$300.00} promotional value would appear in my account. '' Background : My account was opened on XX/XX/2019. Per TD terms and conditions : " The account must be opened for at least 95 calendar days to receive the incentive bonus. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. The Promotional Bonus will be paid between 95 and 140 days after account opening if requirements have been met and account is in good standing. '' During this period, I've reached out to TD on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've yet to receive my bonus.
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (NV)

PayPal violated the FDCPA, 15 U.S.C/805 by calling my spouse and discussing my personal account with him. On Thursday, XX/XX/2019 their debt collector/collections called my husband 's personal cell phone and asked for me and then preceded to give him the balance owed on my account as well as an offer to settle. This account is NOT jointly owned and I have never given them permission to discuss my account anyone other than myself.
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

Comenity Bank has made excessive calls ( XXXX calls in 2 days ). Often call back within a couple of minutes. 
XXXX XXXXXXXX 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 Calls were rejected due to times of calls being on holidays ( observed XX/XX/XXXX - XX/XX/XXXX ). This is harassment for less than {$100.00} debt.
Consumer complaint received 2022-01-27
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. (FL)

XXXX has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.
Consumer complaint received 2022-12-26
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. (MS)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.