davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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. (MI)

On this day XX/XX/2021 precisely at XXXX EST upon checking my credit report I noticed a billing error on my XXXX XXXX account ending in XXXX under XXXX XXXX Code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligator. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me XXXX  days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly is a billing error. 

This late should be updated to OK as agreed on my consumer report immediately. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports ( A ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer credit report.
Consumer complaint received 2021-11-23
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. (MI)

On this day XX/XX/2021 precisely at XXXX EST upon checking my credit report I noticed a billing error on my XXXX XXXX XXXX ending in XXXX under XXXX XXXX Code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligator. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me XXXX days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly is a billing error. 

This late should be updated to OK as agreed on my consumer report immediately. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports ( A ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer credit report.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (KS)

In XXXX, I sublet an apartment through estate management. Upon moving out, my security deposit was applied to a balance that I allegedly owed. After learning of the charges I found out that I was illegally charged for my service animal. I contacted XXXX XXXX and Informed the manager that I believe I was mistakenly charged for my service animal. The manager told me that she was new and the former manager no longer worked there. She said that she could not find anything about me having a service animal. I let her know that I showed my service animal Identification card to the former manager and that I could also provide it to her as well. Although I provided her with my service animal documentation, as well as XXXX XXXX laws regarding service animals, she refused to adjust the balance. She claimed that I never had information of a service animal on file with the apartment complex. I explained to her that I did in fact provide documentation to the former manager and I that under XXXX laws, even if I am to provide my documentation at a later date, the charges have to be adjusted. She told me that the balance could not be adjusted and it was up to the collection agency. I contacted the collection agency explaining the situation and they informed me that all they needed from her was to update the balance on her end. I called her back and explained that and her answer was okay. She never did it and this debt is affecting my credit. After explaining all of this to XXXX XXXX with documentation, they still did not change the balance.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America XXXX debit card, into which XXXX ( California XXXX XXXX ) deposited moneys owed me by XXXX for my XXXX XXXX claim. I have only used the card for ATM withdrawals. One day I checked my statement and found that a number of store purchases had been made totaling {$720.00}. I reported the fraudulent charges to Bank of America fraud line. They refunded me the full {$720.00} for all of the fraudulent charges. However, they froze my account. 

Today XX/XX/21, I called B of A to request a new card. At this time I had my ATM receipts and a calculator in front of me, and I upon examination of my account statements on the B of A website, compared with my ATM withdrawals, I discovered that {$100.00} was missing from my account. I was able to determine that the {$100.00} disappeared between XX/XX/21 and XX/XX/21, so I called the B of A fraud line again. This time the first person I spoke to saw the discrepancy immediately and transferred me to another individual " who could help you sir ''. This person told me that because they could not see any transaction for {$100.00} that there " ... is nothing I can do to help because I can only correct fraudulent transactions ''. The person they transferred me to, evidently, could not add, because, after some minutes of agreeing with me then disagreeing, finally started raising her voice, interrupting, then yelling at me. I had been on the phone for XXXX minutes and I spoke to XXXX people, all claiming they corrected fraud issues. The last person hung up on me because I called her out for yelling nonsense at me. 

The facts are these : On XX/XX/21 I did a balance inquiry and found that I had {$1200.00}, so I withdrew {$1000.00}, leaving me {$220.00}. The next transaction I made was on XX/XX/21, and that was a balance inquiry, which informed me that my balance was {$110.00}. This means that {$100.00} was taken from my account. I have only used this card to deduct money from ATMs, and there was no withdrawal for {$100.00} nor was there a purchase for that amount. Thus, B of A somehow removed {$100.00} from my account. I meticulously added all of the transactions and sure enough, B of A removed {$100.00} from my account! B of A employees stated that they could not deal with this because although the funds are missing, there is no transaction by which the money was taken, and so finally, they hung up me. After XXXX minutes trying to get the {$100.00} B of A mysteriously lost from my account. 

I will call again tomorrow, however, evidently, B of A fraud employees do not know how to write up monies missing from an account unless the money is missing via a fraudulent transaction. This theft occurred via their software, and they know it, but refused to do anything about it.
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (FL)

On XX/XX/2021, I sent in a written cease and desist notice to XXXX XXXX XXXX XXXX. It was received on XXXX XXXX according to certified tracking number XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX ( XXXX ) once received in writing by the consumer, all forms of communication with me through ANY and ALL mediums should stop, UNLESS it pertains to my remedy in writing via mail. 

XXXX XXXX XXXX XXXX violated my consumer rights pursuant to XXXX XXXX XXXX ( c ), I received an email today XX/XX/2021 at approximately 4:43pm. This is a form of communication through the medium of an E-MAIL. They sent an email regarding a " billing statement ''. XXXX XXXX XXXX failed to comply with federal law. 

XXXX XXXX XXXX XXXX did not comply with federal law, and is now civilly and criminally liable for willful noncompliance. 

Pursuant to XXXX XXXX XXXX Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (SC)

I have home mortgage through Southstate Bank in XX/XX/XXXX. My initial mortgage amount XXXX. The XXXX year my mortgage increased to XXXX. The third year I'm receiving mortgage bills for XXXX. I called initially on XX/XX/XXXX to question. I was told it was the property tax. Contacted the XXXX XXXX assessor dept to inquire. They did not have me as this being my primary residence. Submitted the forms to correct. I was told the difference is between XXXX XXXX XXXX XXXX XXXX. Called Southstate Bank on XX/XX/XXXX for explanation on how a XXXX XXXX difference on a home purchased for XXXX can result in a XXXX dollar increase on my monthly mortgage and this is creating a financial hardship on maintaining my mortgage. The answer I received is they underpaid the initial tax and is adding the tax for XXXX years into my mortgage payment. Explained that XXXX is beyond my monthly budget. Was told they would contact the tax assessor for a correction, but I'm still liable for the increased payment. Asked if the tax amount was incorrect on my initial mortgage and was based on income. How can I be expected to pay more than double. Says they will research. I've paid the increased mortgage for the past XXXX months and can not maintain that amount.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-12-07
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. (TX)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on EQUIFAX response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX. JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXX ;
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (PA)

In XX/XX/2021, I telephoned Freedom Mortgage Company to advise them the XX/XX/2021 payment would be paid at the end of XXXX because my wife and I were closing the account due to the sale of the home. On XX/XX/2021, we signed all documents with the title company and from there, they processed the payments. To my knowledge, they were going to wire the balance due of the loan that day but instead, the title company chose to send an overnighted check to XXXX. That check was received according to tracking o XX/XX/2021. Freedom Mortgage then reported to credit bureaus on XX/XX/XXXX that the account was XXXX XXXXays past due, even though they had a check in hand that they never cashed. This has caused both my wife and I 's scores to drop substantially, creating a hardship for us. Even thought the account is now paid off.
Consumer complaint received 2021-12-28
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. (VA)

EQUIFAX has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EQUIFAX permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EQUIFAX giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (CO)

On XX/XX/2021 received notification that a medical bill was in collections, for {$1500.00}. I call the company to get further information about the debt. Upon doing more research I see that the actual debt is for {$1400.00} from the emergency services given. I now find out that Credit Systems , Inc company is charging me interest on the medical bill debt. I've never had interest on a medical debt and I think that they are illegally doing it.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (AL)

I have notified Equifax XXXX  times in XXXX months in writing and provided proper documentation including police report, identity theft packet a court order and state issued photo identification. They did not respond within 30 days and did not block the fraudulent accounts from my report within the required XXXX business days. When I call they are not helpful. They are not following the FRCA at all. XXXX has already removed them and blocked them but Equifax has done nothing.
Consumer complaint received 2022-11-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-11
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-28
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. (KY)

I had an auto loan with XXXX XXXX XXXX XXXX that originated on XX/XX/XXXX. I defaulted on this loan on and the vehicle was subsequently reposessed. I settled for an amount and the rest was shown as a charge off. In a vain attempt to have this negative information removed from my credit report I filed a dispute with the XXXX and TransUnion and subsequently disputed the results of those investigations. I have recently tried to have the information that I did not agree with the results of the dispute removed from my credit report. After speaking with XXXX XXXX XXXX XXXX XXXX I had a letter faxed on XX/XX/XXXX from their XXXX, KY location to their credit reporting location of which I have attached. After not receiving a response within 30 days I filed a dispute with XXXX on XX/XX/XXXX and received the results under report number XXXX on XX/XX/XXXX. The information that I did not agree with the results of the previous dispute was not removed and my account was moved into a collection status.
Consumer complaint received 2022-11-11
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Name is XXXX XXXX XXXX. 

I am a retired 100 % XXXX Veteran. I am currently writing a book and was looking for collaboration assistance. and entered into an agreement with XXXX XXXX. 
They required XXXX to to open up my account and to provide access to ghost writers to assist, outline, edit and help publish my book. 

I repeatedly attempted to contact " XXXX XXXX '' for the services promised and received no response, NONE .... what-so-ever to collaborate with writers. 

... No services were offered and no collaboration occurred. 

I contacted my credit card company ( Capital One ) concerning the charge of XXXX dollars billed on XX/XX/2021. Please see attached letter dated XX/XX/XXXX. Capital One stated that they had removed the charge and then reversed the decision stating that the company XXXX XXXX had disputed my dispute. DESIGN COMPANY stated to " Capital One '' that they provided several services including outlines and even provided a " BOOK COVER ''. 

I submit to you that they DID NOT provide any services. If they did provide any services surely they could submit some shred of evidence such as... 

XXXX the TITLE XXXX the outline XXXX the book cover XXXX the log of hours of the ghost writers XXXX the subject matter of the book DESIGN COMPANY HAS NOT SUBMITTED ANY OF THE ABOVE EVIDENCE TO SUPPORT THEIR CLAIM AND THE MOST GLARING EVIDENCE SUPPORTING ME IS THAT IF THE DID PROVIDE SERVICES. THEY WOULD BE ABLE TO PROVIDE ME WITH AN INVOICE OF THEIR LOGGED SERVICES. 

PLEASE SEE ATTACHED DOCUMENTS Capital One simply reversed their decision because DESIGN COMPANY simply said that they provide services and with NO " proof of service '' evidence ... ruled in the favor of the merchant! i.e. because they ( XXXX XXXX ) said that they did these things.