davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

On XX/XX/2020 I gifted a Vehicle that was not running to my Sister. At the time I made a Bill Of Sale and transferred the title to her. Some time around XX/XX/2020 she parked said vehicle in a tow away zone and it was towed by XXXX  XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX. I supplied a copy of that Bill of Sale to XXXX  XXXX with the Signatures of 4 Witnesses and Multiple Businesses owners also saw said transaction take  place. XXXX XXXX Deliberated engages in Deceptive Business practices by sending the bill to Alpine Collections  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Because they new my Sister XXXX XXXX XXXX was homeless living in the Vehicle and I have a full time job.
Consumer complaint received 2020-09-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (MD)

my bankruptcy for chapter XXXX was approved on 2011 and all debts were discharged but shell point mortgage A/c No. XXXX keep calling my private cellphone and attempt to collect debt even if I advice them the debt is discharged and I don't need to be contacted on the phone almost several times a day nonstop
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was hospitalized in XXXX through XXXX of this year, at the same time I was unable to receive several copies of of my statements. I tried contacting customer service to resolve the issues and get my account up to date but it was impossible to get a hold of anyone during this time because of the pandemic. I have called multiple times to follow up on the empty promises I've received about getting my account up to date that would include reporting correctly to the credit bureaus. I am reporting as 30 days late for 1 billing cycle when I was hospitalized and did not get a copy of my statements.

I just want them to update my report as current for the month it is reporting as late. I tried contacting them to resolve my concern and was told numerous times it would be updated showing as current since I did not receive a statement for those months and I was hospitalized.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

The caller has called me everyday. Although I informed them that I have never lived at an address they are asking, they keep calling and asking me for information about who I am that may be used to spam me I suspect. Ive blocked the number and asked them not to call me but they continue to call me on my home and mobile phone. They change numbers and although I block each number, they still have found a way to get around the blocking. The number they are calling from is XXXX and XXXX and XXXX. They keep changing the number each time I block them.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (NY)

I checked my email on XX/XX/2024 and I noticed an alert from " Experian '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report " XXXX '' " XXXX '' and " Experian ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed due to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the Tracking Number to XXXX XXXX XXXX XXXX XXXX XXXX and Tracking Number XXXX XXXX XXXX XXXX XXXX to Experian and XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ). 

Account name : XXXX BANK XXXX Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$0.00}. 

Account XXXX XXXX. 
Accounts XXXX : XXXX. 

Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$710.00}. 
Account name XXXX Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$630.00}. 
Account name : XXXX 

Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$0.00}. 






Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery account # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-09-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Byrider Franchising, LLC (SC)

in the month of XX/XX/2020, i changed my XXXX XXXX XXXX XXXX account and debit card information. after i was compromised by identity theft and someone using my card information to debit fund out. my last car note payment to cnac, jd byrider in XXXX, sc. was made following that month. i informed them i am no longer doing auto debit/draft pay. 
my compromised account and change of employment. 

this information was written down or verbally heared over the phone. 
then in the month of XXXX. i called in to do my payments with a new debit/credit card number. i informed them not to retain my card information for use an any practice. i shall only call in and authorize payments. the next payment in XXXX was automatically drafted out of my bank account. without my authorization and notice. 

i noticed this happened on the last week of XXXX. without my knowledge. i contacted my bank to investigate the charge and dispute. my new card was placed on freeze and any activity without my authorization would not go thru. 

CNAC company attempted over 6 times to remove funds from my bank account without my knowledge. In XXXX, the days of the XXXX, XXXX, XXXX, XXXX in the amounts of XXXX, XXXX and XXXX dollars were attempts to debit my bank account. using my card number given to them before. the card number given to them was not set on auto pay and was not made to be retained for any purposes. even to pay a car note without my call in and authorization. 

i looked up on the FTC website and south carolina website for laws ruling how to handle disputes over compromised accounts and breach of trust. 

it its illegal what they did and attempted to do.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer,  as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FOR THREE YEARS I HAVE BEEN DEALING WITH XXXX XXXX XXXX ABOUT A CARD THAT WAS OPENED FRAUDULENTLY OR IDENTITY TFoTHREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXXE.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

During the week of XXXX I attempted to add my wife as a joint tenant owner of my already-existing HSBC checking account XXXX. Did this while calling XXXX. The phone agent asked for my wife 's social security number and phone number. The phone agent tried to send my wife a code to her phone, but that process failed for unknown reasons. One agent said that my wife would need I needed to speak with credit reporting agency XXXX. A supervisor man who I spoke with on XXXX as called from XXXX said that there was No remote route to having a joint tenant added if their phone & social security number entry process failed. But no agent can tell us why the process is failing. A person can go into a branch, but there's no HSBC branches near me and my wife. 

HSBC utterly and absolutely refuses, to add my wife as a joint tenant owner of my checking account XXXX. 

HSBC refuses to accept mailed-in identification verification of my wife. A phone agent supervisor told me today that mailed in info on this front, will not sufficient and will be rejected. 

HSBC can not tell my family why my wife 's phone number can not be transmitted to verification-wise. 

HSBC is a highly unfriendly, and hostile bank. Hostile to married couples. Hostile to families. Hostile, in general. And unhelpful. And rude. Iron fisted, and a brick wall.

Attached is a letter I have mailed to the CEO of HSBC North America. However I doubt this letter shall have any effect, but a phone supervisor already told me that mailed in info on these fronts will go nowhere and have no effect. 

HSBC refuses to add wives as joint tenants to checking accounts. 

When the adding process doesn't work, they have no workarounds, or even explanations as to why things don't work. They offer nothing but obfuscation and a brick wall.
Consumer complaint received 2020-06-19
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. (DC)

I requested by phone with TransUnion that these companies did not have authorization to pull my credit report and that I need them to remove these inquiries and they did not respond. It has been over the allotted 30 days the FCRA requires.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Credit inquiries can be made by any legitimate business for any legitimate reason (??? way too open ended ) without prior approval or disclosure of purpose & /or credit impact to a credit holder. This opens the door for the credit holder to have their credit profile negatively affected for years, as it leaves the possible unknowing credit holder to seek out inquiries from the Credit Bureau ( s ) who then leave it up to you to dispute with the business who made the inquiry, who may or may not remove from a credit profile, which would then be reflected for three years on a credit profile. 

This is a problem as it poses the possibility to negatively impact credit profile for years and may result in restricting access to jobs, insurance, autos, housing etc.
Consumer complaint received 2020-06-19
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. (FL)

I had an automatic payment of {$140.00} taken from my XXXX monthly for almost 2 years that was made to cover a past government debt. Upon the COVID19 issue the auto payment was stopped by the government and the payments started reporting as delinquent in my credit. I contacted XXXX and the company that handles the collection and paid the past due balance of {$950.00} in full and the Dept of Treasury still has not updated my status to show XXXX balance and still reporting as past due on my credit. Ive disputed this 4 times without any luck and its damaging my credit. They are not properly investigating this issue.
Consumer complaint received 2020-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.
Consumer complaint received 2020-06-19
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. (TN)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My XXXX XXXX Account was defrauded of {$1000.00} and my Bank, Bank of America is not willing to help me with this fraud claim. I have attached a police report and fbi report.