davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Collections account # ( XXXX ) : XXXX, XXXX, has violated my rights. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. states that I have a right to privacy. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (NC)

I was told by XXXX XXXX that the debt had been turned over to the collection agency. I called The Bureaus Inc Collection Agency in early XXXX to settle the account for {$700.00}. The gentlemen at the collection told me he would contact his customer and call me back. After no response I called the Bureaus on XX/XX/XXXX and XXXX offered to settle it for only 10 % of the XXXX to {$1200.00}. According to her this is the lowest settlement prorameter. Then she offered {$1100.00}. I asked to speak with a supervisor who was extra rude and told me {$1200.00} and that the rep did not have artozation to lower it. I told her I was aware of the law and that she could go lower. She told me it doesnt matter how many time I call its not going to be any lower. On XX/XX/XXXX I received a call again from the collection agency first she asked me to verify my DOB but I refused because she did not identify who she was or where she was calling from. So she said the last four of my SS # and asked me to verify it was correct. She then offered me a 10 % settlement, I asked her about my previous call for the lower settlement amount she then told me their client agreed to {$840.00} which is difference from the 10 % she offered at the begin of the conversation. I again offered them {$700.00}, she replied i will check with the customer but {$700.00} maybe lowest and it must be paid by end of month.
Consumer complaint received 2023-06-10
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. (OH)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXX 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 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 my bank ( Bank of America ) blocked my debit card because of suspicious activities during my trip in XXXX. When I checked my online banking account I noticed 2 transactions that were not mine ( XXXX $ and XXXX $ ). I filed a claim on XX/XX/2020 by phone with Bank of America. Right after that someone bought a plane ticket from my card with the total amount of XXXX $ ( XXXX ). 
On XX/XX/2020 Bank of America sent me email notification that my claim is closed and all transactions were made correctly. 

What should I do in this case? How I return my money?
Consumer complaint received 2020-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (AZ)

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX XXXX, Elan Financial, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither Elan Financial nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I had this card for at least XXXX XXXX  I ALWAYS paid on time never had any issues. I made a payment to pay off my balance then I made another purchase, while the first payment was being process I went ahead and made a payment for my new purchase. 
All of the sudden I received a notification from my credit report XXXX that my account has been closed. I don't see what is the reasoning behind this if I've always used this card and made payments on time.
Consumer complaint received 2020-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (AZ)

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX  XXXX, XXXX XXXX, nor Citibank, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor Citibank will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.
Consumer complaint received 2023-01-06
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (FL)

My payment is set on a reoccurring payment draft for the XXXX. I contacted AquaFinance on XX/XX/16 and asked to reschedule the draft and was advised the draft could not be rescheduled or changed. This seems to be a direct violation the Electronic Funds Transfer Act. The business refused to make adjustments to a pending payment that has not been submitted and was contacted prior to the payments schedule date.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MD)

I paid the full amount ( {$390.00} ) of my Barclay 's XXXX XXXX Mastercard payment due on XXXX XXXX, XXXX, via online payment from my bank on XXXX XXXX. The bank confirms that the check they sent to Barclay 's was cashed on XXXX XXXX. BUT the statement for XX/XX/XXXX - XX/XX/XXXX shows {$0.00} payment for the month and therefore a balance due that includes the {$390.00} + {$27.00} late fee + interest, + new balance accrued. I spoke with " customer service '' (??!! ) at Barclay 's on XXXX XXXX, who agreed to reverse the late payment fee, but told me that it will take at least 3 weeks and likely more to " research '' where Barclay 's lost my payment. and of course, that if I don't pay the balance due ( as described above ) in full IMMEDIATELY my account will continue to accrue interest. 

I do not understand how they get away with charging me interest on money they have misappropriated from me, due to their error. 

I understand that I have no legal option other than to overpay to the tune of {$400.00}, and to do so ahead of my current account due date of XXXX XXXX. 

This is wrong and unacceptable. 
I am also being dunned in the meanwhile with emails offering to help me figure out a payment plan.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.
Consumer complaint received 2020-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (NJ)

PNC is very disorganized. My husband who I am in the process of divorcing, reached out and spoke to a representative to open a home equity line of credit on my name. He was able to get everything done via phone call and then pressured me to the bank to sign. I was XXXX months XXXX XX/XX/2019 XXXX XXXX  and wanted no drama since I had a high risk XXXX. To my understanding the account was on my name so he had no rights to the HELOC. Little to my surprise PNC sent the card the our home address and he created a pin and began using the funds. When I came to know of this, XXXX XXXX XXXX XXXX XXXX XXXX I went to PNC to notify the bank branch. I explained that the charges were not made by me but rather my husband, I went in on a Saturday, XX/XX/2019 to be exact. I was informed that I needed to go back on a business day. I returned to the bank on Monday XX/XX/2019. During my visit and explaining the situation, the representative was more interested in the " juicy '' personal details rather than helping me. The representative went on to state that my husband had gone in the branch and asked for the pin to be reset on the XXXX XXXX   card, to which she willfully admitted it was " suspicious '', but yet she went ahead and did it anyway? I was 3 weeks XXXX at this time and living in fear for my life. I asked for the line of credit to be closed and the representative said " we can not close it unless you are paying off the $ XXXX ''. She never guided me to dispute the charges or advised on what steps to take. She did call the XXXX number and tell them the situation, but at no point did ANYONE of PNC advise or help me. I was in an XXXX relationship with a XXXX XXXX XXXX and needed guidance. PNC is a joke and a waste of time. When I finally got my life in order and disputed the charges, the excuse I am getting is that the charges can not be disputed because the PAYMENTS were at one point made form a joint account. What does that have to do with unauthorized charges on my behalf which I reported as soon as I became aware? I have been put through the ringer with PNC, they have not been timely. In fact they have made so many errors. They kept sending statements I was requesting to my husband in Florida. He changed the address on file. I have been trying to get issues corrected, but no one is willing to give me the time of day. As a new, single mother who is working full time to provide for my daughter and myself I have received ZERO empathy or understanding from this company. Such a shame.
Consumer complaint received 2023-01-06
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. (NY)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a. I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 it also states a consumer reporting angency can not furnish without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting angency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections states no consumer reporting angency 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.C1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-04-08
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 — Their investigation did not fix an error on your report
Company: First Federal Credit Control, Inc. (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

Numerous calls from various area codes threatening to place negative marks against my credit, even though they are fully aware that the balance is incorrect and I never had an account with them.Just different rude disrespectful operators continuously calling without being complainant to my wish to no longer be contacted resulting in changing a number I had over 5 years
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-08
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding XXXX 

I have repeatedly asked XXXX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from Credit Acceptance Corporation. XXXX  has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with Credit Acceptance Corporation. 

I DEMAND XXXX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from Credit Acceptance Corporation on MULTIPLE occassions with NO response.