davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

In accordance with the Fair credit reporting act XXXX  account number XXXX mid credit management company has been reporting improper information on my payment history and has violated my rights. 
15usc 1681 section states I have the right to privacy 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my verbal instructions.

15 usc 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.

I have paid this big lots credit card off over a year ago and they are still trying to say I owe them XXXX XXXX  and have been reporting late payments on my credit for over a year I want those removed please
Consumer complaint received 2022-05-20
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. (NY)

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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in XXXX XXXX.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRSTBANK (AZ)

for the past 2 weeks, First Bank of Colorado ( dba 1stBank ), has charged over {$200.00} in Nonsufficent Funds Fees to my checking account. Despite this practice occurring in a predatory manner ( this issue has occurred over the past 2 weeks or so ), the bank continues to fail to give a reasonable answer as to why these NSF fees were charged, and refuse to refund or reverse the predatory charges in question. I contacted customer service on XX/XX/XXXX ; they were able to reverse 2 of the charges but that fails to account for even still almost {$200.00} that they essentially stole from my account without notice or reason. I am deeply perturbed by this occurrence and am seeking all avenues possible to resolve the issue.
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights In accordance with the fair credit reporting act convergent account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (ME)

The debt does not belong to me. I called them back in XXXX and explained that this debt is fraudulent and does not belong to me. It was removed from my credit report, but it appeared again in XXXX of XXXX.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/XXXX of XXXX, my wife has recieved several calls from this Agency trying to obtain my information and contact me ... once they were able to reach me, they said I had to repay the debt or portion of it or they'll report it to my credit bureaus in which they have and that itll go to legal actions... I told them I have no knowledge of the company... the original creditor from my XXXX in XXXX has not ever contacted me regarding the debt...
Consumer complaint received 2019-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I went through severe financial hardship over the years. He went through XXXX XXXX, lost his business, rebuilt it then went through an embezzlement by his partner. I lost my job, was on XXXX, still XXXX but working to make ends meet.We were not able to make payments. When I tried to make a large payment to catch up the lender said the whole back payments and penalties and fees need to be paid also. I asked for a loan modification and they denied it saying the reason is showed ability to pay When I asked my single point of contact what that meant she was not able to tell me. She said she would contact underwriting and clarify and get back to me and didnt. I also tried to appeal the modification denial but was denied again. Still with no reason The name on the loan is XXXX XXXX
Consumer complaint received 2023-06-27
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. (AZ)

My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses and names Remove : 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 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-20
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. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-16
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. (OH)

Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies Transunion, XXXX, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is Transunion, XXXX, and XXXX in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?
Consumer complaint received 2022-05-20
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. (WI)

In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX  account # XXXX have violated my rights.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-05-20
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 (TX)

Capital one has failed to put an effort to actually resolve my dispute, they have never mailed or e-mailed me a request to send out an evidence to support my claim, and have concluded the charged made on the wrong item I received is valid. Claim number XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (CA)

I opened a new TD Bank checking account at the end of XX/XX/XXXX. This was after receiving a mailer about an opening bonus and I decided to take advantage of it. The account was opened on XX/XX/XXXX. The terms on the mailer I received is similar to what can be seen in their current active offer online : XXXX XXXX XXXXXXXX After opening the account I called and verified that it will qualify for the opening bonus offer. They told me that the account qualifies and once the requirements are satisfied I should get the bonus. 

Fast-forward to XXXX and I still haven't received the bonus so I called TD bank customer service once again. The rep I spoke with once again confirmed that my account should qualify for the bonus and told me they will investigate and escalate as necessary. I had to call back again at least 2 times after there was no change and they kept telling me the same thing. Finally on XX/XX/XXXX after multiple calls over the last month, I was told that upon review my account was deemed ineligible for the opening bonus because they claimed that the mailer was not addressed to me. They told me that this was the determination of an internal department and when I asked to speak to that department I was told that they do not speak with customers. 

Meanwhile, the bonus scheme is still active to date and can easily be accessed online. The mailer I received had me go to a website link to sign up and did not require a unique code to activate the bonus. 

Because they refused to escalate and hear my concerns further I've decided to close my account with TD bank. Please investigate as their online bonus offer is essentially a scheme and fraud if it means they are not actually giving people bonuses and are arbitrarily saying accounts are ineligible. 

Thank you.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-05-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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. 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 2022-07-25
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: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (LA)

Ally Auto reported to XXXX and the other credit bureaus probably an {$8.00} charge on the total balance of my installment loan. Bureau says they just list what Ally tells them and Ally says they don't see that and checked my credit to do so. I will file a dispute but that already has been listed on my credit report and is making my report look bad. I will have to file disputes with the other bureaus as well. I am never late.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

On or about XXXX XX/XX/2021, XXXX XXXX servicemember 's USAA account was hacked to the point where the servicemember lost access to the account, e-mail, XXXX, and XXXX. Upon noticing that the primary checking account of the servicemember was being drained of cash as fraudulent checks were being deposited, he contacted USAA on XXXX XX/XX/2021 in an effort to re-gain access to his checking account. USAA failed to open a dispute on the date of the notification and told the servicemember that he was liable for the fraudulent activity. On XXXX XX/XX/2021, servicemember contacted USAA with representative from DOD requesting that a dispute be initiated for the fraudulent activity as USAA had failed the servicemember when he initially contacted USAA to notify them of the comprised accounts. XXXX transferred the call to XXXX from resolutions who advised the servicemember that he specifically authorized theft on his accounts to the point where he is unable to pay rent and feed his three year old son. This is a disgrace to USAA and utter disrespect to our military and the people who serve overseas. This needs to be investigated in order for additional servicemembers to not be victimized in this manner.
Consumer complaint received 2022-05-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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. 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 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (MS)

Between XX/XX/2018-XX/XX/2018 I wanted to work with Lexington Law customer service to get some assistance with getting my credit repaired. They asked me to pay {$99.00} per month, but I told them I could not afford that fee, so they decided to give me the special low rate at that time of {$45.00}, so I could start the process. I took the special low rate of {$45.00} and then I told them I would be able to start the process by the following month, not this month, due to the fact I don't get paid until the following month. Then Lexington Law customer service agreed and I asked them when will I be able to start the process of my credit repair program. Lexington Law customer  service told me that I would not be able to start because they don't want to wait another month to start the fees associated with starting to do the credit repair. But I told them we already agreed and you told me to sign the contract to start the process, so I could start paying the following month to do my credit repair. All Lexington Law customer service told me is that we are sorry, but we can not help you with your credit repair. I said you XXXX XXXX you lied! You are real XXXX! You told me I would be able to start my credit repair in XX/XX/XXXX, but then you contradicted yourself and told me that we can not start on the following month and we agreed upon it by a contract to start the credit repair program. Anyway, Lexington Law customer service told me to find some other company to help me with my credit repair issues and have a nice day! I told them I will never forget your company wronged me! I am going to report you for lying to me about giving me a special low rate of {$45.00}, lying to me that we could start on XX/XX/XXXX, then Lexington Law customer service renigged on the contract that I signed stating that I would be able to start my credit repair program with this company in XX/XX/XXXX. Also, I was told on XX/XX/XXXX, that Lexington Law credit repair company blocked me to do any other credit repair by their company! I told the customer service agent at that time I will report you! Also, I will report that you took money from my significant other as well in the following month and never did his credit repair at all. You told him you do not want to do his credit repair either! The name of my significant other is XXXX XXXX. Please help me find a resolution to not allow this company to not ever do a credit repair for anybody else, because they renigged on my contract to do a credit repair, lied about offering a special low rate of {$45.00}, lied about starting the following month for a credit repair and defrauded another customer by taking money from him and never offered any credit repair services..
Consumer complaint received 2022-12-17
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. (NC)

XXXX accordance with the Fair Credit Reporting act SECU/Local Government XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have checking account and credit card in HSBC bank USA from XXXX. 
This year ( XXXX ) I noticed there was one time annual fee XXXX $ charged on my credit card account for first time. I did not see annual fee for my credit card account for past eight years ( XXXX ~ XXXX ). I chatted with HSBC on XX/XX/XXXX and got the information I will get XXXX $ back if I close my credit card account. I closed my credit card account and three weeks after, I did not received the check then chatted with HSBC on XX/XX/XXXX again, I got the information XXXX $ will be deposited to my checking account in 2~3 business days. After 2~3 business days, I did not receive it and chat with HSBC on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, every time in chatting, I was told the fee would be deposited into my account in 2~3 business days, but never received it.