davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising XXXX XXXX XXXX XXXX of violating my rights as a consumer under 15 USC 1692 g,
Consumer complaint received 2021-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I went to the Fifth Third branch in XXXX, Illinois on XX/XX/21 to deposit two money orders, one for {$270.00} and one for {$100.00}. I asked to deposit them both and get {$100.00} in cash. The teller informed me that because I had less than {$100.00} in my checking account ( my balance was ~ {$25.00} ), I would need to pay a {$5.00} fee in order to get {$100.00} in cash. I decided against paying the fee and deposited both money orders instead. 

This was surprising and rather nonsensical for the following reasons : -How does my payment of a {$5.00} fee make it any more likely that the deposited funds will clear? 
- Money orders are practically guaranteed available, unlike personal checks. 
- This fee seems specifically in place to target low balance accounts. 
-This is a high fee compared to the amount of cash I was trying to withdraw. 5 % of {$100.00} is a 5 % fee simply to access funds a day or two earlier. 

It would make sense to hold the funds according to the funds availability policy, if they are truly concerned that the funds ( although they were money orders ) would not clear. However, allowing depositors expedited availability at a fee, is more indicative of a short term loan, than a funds availability policy, since a {$5.00} fee does not make it any more or less likely that the funds will clear ( again, we're talking about money orders not personal checks ).
Consumer complaint received 2020-07-23
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

addresses not mine 

accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am XXXX XXXX sailor in the military I have contacted Capital One Bank  and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX I have spoken to ther credit card department, auto loan department and the Capital one 360 banking on several occasions requesting proof of my signature for over 20 inquires for Capital One 25 for XXXX listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized capital one to pull my credit on 2 occasions XXXX XXXXXXXX credit increase and XXXX XXXX auto loan  . I have authorized XXXX to pull my credit for auto loan XXXX XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX   XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (Capital One)XXXXI hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I'm filing a complaint against Experian credit reporting agency on their bias scoring system. I have an exceptional payment history. I keep my debt ratio under 9 % but they will not raise my score at all but if one of my balances increase just a slight amount my score drops 10-20 points. I'm XXXX american so I feel the system is bias towards me given my exceptional payment history.
Consumer complaint received 2021-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A. (MD)

Klima Peters & Daly PA has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising Klima Peters & Daly of violating my rights as a consumer under 15 USC 1692 g,
Consumer complaint received 2021-12-26
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)

Identity Theft Report Attached. 

The investigation and reinvestigation of this account was never presented. Verified electronically is not an investigation. 
I was unaware of who XXXX was until I had to fight to prove the account does not belong to me. 
Account : XXXX I also noticed a few inquiries appeared, hopefully the data breaches and hackers have not taken any further steps. 
Inquiries : XXXX, XXXX, XXXX XXXX Please delete the above placed identity theft account and inquiries from my consumer credit report and file.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (AR)

I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once.

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.
Consumer complaint received 2021-12-26
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. (FL)

I have been reaching out to these companies trying to verify and correct inaccurate items reporting on my credit reports. When I reached out to the credit bureaus they replied back that the accounts were verified and reporting accurately. Then I reached out to each individual company because there is no way things are verified as accurate when there are missing account numbers, wrong credit limits and credit balances, missing fields etc. 

When I did hear back from the companies some sent a print out and some refused to respond to me at all. All of these companies are reporting inaccurate information on my reports which is a direct violations of my rights as a consumer under the FCRA. Not only that, these companies or either the major credit bureaus are lying cause they both are saying its accurate but according to my credit reports I have found several violations. Not only that one of the companies closed down years ago, so my questions is how was that verified and whom did they contact to verify this account with XXXX XXXXXXXX XXXX. I am very upset at this unlawful reporting.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates.

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in my credit report.
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 someone did a transfer money without my authorization from bank of America to a saving or checking. on the week I have notice by card has been lost since I don't check my balance often I notice on the XX/XX/21 my whole money was gone from my visa prepaid by XXXX and I did a claim and a police report and bank of America didn't send me a letter notify who did the transfer on my account now they denied my claim please help
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

In addition to my previous complaint with Comenity, I have paid my bill in full and have a negative credit due to returns. No purchases have been made and they have not sent me a check for the $ owed to me. However they are still continuing to charge me INTEREST even though the account is paid and they owe me $ at this point. 

I called the customer service line and XXXX said it was because the account was in dispute. I don't understand how the company can charge interest when the account is fully PAID and they owe me {$36.00} already ( not even counting the amounts I disputed for the nonexistent billing/credit interest ).
Consumer complaint received 2021-12-26
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: EQUIFAX, INC. (AR)

I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.
Consumer complaint received 2024-02-20
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. (SC)

Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop XXXX XXXX  .I have no knowledge of this inquiry.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

well me and my family are victims of the "campfire" that destroyed our home and belongings and since the fire we've been living in a R.V and a generator was donated to our church that in turn was givin to us brand new.XX/XX/XXXX the generator began to fail mechanicaly so i returned it to the dealer which in turn refunded me about XXXX but since it was only XXXX XXXX when i returned the generator the store didnt have enough cash in the store to pay me in full so the manager asked if i had a debit card that the refund can be forwarded to and i only had a Paypal prepaid debit card on me so i gave it to the manager and he said the refund should take no more than 72 hours to process.Ater 72 hours passed i attempted to make a small online order and found out that PayPal froze my account bcs the generator i had refunded to the card wasnt originaly purchased with the card therefor it was flagged for suspition...i have tried numberous times to have this resolved and there treating me like a criminal and ive even offered to send them the original reciept from the refund and explained it was imposible to get the original reciept when the item was purchased bcs i did not purchase it i recieved it by donation doe. to me and my families situation .i feel there being unreasonable especially since ive never had any issues before with "suspicious activities"
Consumer complaint received 2021-12-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (DE)

I do NOT owe {$610.00}. My VERY brief account with XXXX XXXX in 2020, should be {$200.00} at the MOST. I was waiting for XXXX XXXX  to Adjust the amount to a lower amount since I promptly returned their equipment in the winter of 2020. We chose to not have an account with XXXX XXXX ( or any cable company for the same reasons ) due to their Deceptive business practices with payment postings, amounts owed, and overall quality consumer satisfaction which is very low. Please help get this incorrect inflated amount not owed removed off my credit report. Thank you.
Consumer complaint received 2021-12-25
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. (CT)

XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Consumer complaint received 2021-12-25
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: General Motors Financial Company, Inc. (CT)

GM Financial was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by GM Financial, and I was never provided detail on what that balance was, or how to pay it. We contacted GM financial over 20 different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to GM when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (GA)

After careful review of my consumer reports, I noticed an account on my report from Monterey Collections account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they maXXXX claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Dear : Who it XXXX concern, This is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting for information to deleted.

15 USC 1681- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681- ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Remove accounts immediately or I will follow up with an invoice of several violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (IN)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

collection agency is Southwest Recovery. They told me to dispute and i did but they are saying its mine when it is not mine XXXX XXXX {$360.00} XX/XX/2023 I have never used this company i have had XXXX for over 30 years in texas I dont even know who these people are