davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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. (PA)

Experian is reporting a charged-off XXXX BANK account on my credit report. XXXX and XXXX removed this false account for inaccuracies. What exactly is being verified and what is accurate on this account? XXXX BANK has no signature of mines and claim that I applied for this card online. They sent no proof. The sent inaccurate transaction statements that I have no knowledge of. 

I AM NOT A CREDIT REPAIR COMPANY PLEASE DELETE THIS ACCOUNT
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I was not informed that my account was XXXX past due. I don't receive paper statements because I have not charge anything on this account for quite some. I have only used XXXX pay and continued to pay each month with transfers somehow it was cut off {$10.00} still due. I have been a customer of Bank of America since 2017 and I have NEVER once been late for over XXXX years on any of my cards. It's impossible to speak with a supervisor or anyone in charge of Credit reporting to investigate error. Not only did it show a late charge all credit reports it dropped my score from XXXX XXXX just before I was trying to get a loan. Thats over XXXX points and devastating after I have work so hard for years to perfect and protect my credit. 
I am referring to the LAW. 15 U.S. Code 1681s-2 : Responsibilities of the furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate information. ( 1 ) The Banking systems is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. I have been an outstanding customer for over XXXX years. I have personal accounts and an excellent business relationship and have been an excellent customer. It so unprofessional that can't even talk to a person who has any authority. This not fair credit reporting. Please remove this XXXX late charge on all credit reporting agencies. This was on my personal account.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I had 2 XXXX withdrawals from my Capital One checking account. As soon as I noticed them I called Capital One and put in a Fraud claim and locked my card. I have never used XXXX through Capital One and have only used it once many many months ago not through Capital One. They determined there was no fraud and denied my claim. I did not withdraw money or send money through XXXX. One amount was {$900.00} and the other was {$700.00}. I am filing a complaint. No one called me to discuss the matter or ask any more questions. Nor does it give me the ability to file an appeal. I would like my money back and close my account with them. I am a single mom and raising my granddaughters. Every penny matters.
Consumer complaint received 2020-12-29
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. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXXXXXX XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I opened a Discount Tire Account and used it responsible and paid my account in full. The creditor closed my account after I paid it in full. I do not think this is fair. When creditor closed the accounts it has a bad impact on my credit report- my score decreased. When I paid on time and in full. Discount Tires just Closed my account for no reason.
Consumer complaint received 2020-07-10
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. (FL)

I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected
Consumer complaint received 2021-10-22
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. (PA)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2021-10-22
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. (NJ)

Im aware that XXXX  has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRUIST FINANCIAL CORPORATION (TX)

Hello, I have been paying on a {$16000.00} student loan since XXXX that today still has a balance of approx {$12000.00}. In the XXXX timeframe, my job was eliminated and I was forced to pay close to $ XXXX monthly for ObamaCare so I was unable to pay the student loans for small period of time. When I began working again, I was forced to pay {$5000.00} which I'm finding out now that none went towards my loan at all. The servicer, XXXX, doesn't even have record of that payment. 

Further, approx 50 % of my monthly payment is going to interest. 

I find that this loan is the clear definition of predatory lending. I will not pay on this any longer while others have their debt erased.
Consumer complaint received 2021-10-21
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. (CA)

Try to call them and the lady whos responsible for my account dont need any explanation or dont want to here anything told me that all she wants to here is you have to pay the whole amount.
Consumer complaint received 2022-10-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NC)

This debit collector keeps calling me non stop everyday at not treasonable times. I keep my phone on just in case my daughter school calls so its on vibrate but i recently got a warning of my phone going off at work due to this company keep calling my phone back to back every 3 hours of the day. They called once before after XXXX. I have told them i do not know what this is but stop calling me because I work. I have to research to see what it was because they wouldnt tell me and I seen it was for debit collector which i do not know what for. I am being harassed by this company call CBE GROUP!!!! They keep calling from different XXXX numbers and I am really tired of them calling non stop! I have blocked every number they tried calling from and they keep calling over and over. I am sick of this and refuse to lose my job over this company. The phones calls must stop I am tired of them and i do not know who they calling on a behalf for. Its been almost two months and i am tired of the calls
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NY)

I ordered a vacuum from XXXX  on XX/XX/XXXX totaling {$610.00}. I did not receive a shipping notification so I called the vendor multiple times but I did not receive a response. 

I called my credit card company, XXXX, and asked them to dispute the charge. They did and they found that I should have my funds returned to me. 

I received an email from XXXX on XX/XX/XXXX stating the funds would be returned. I then began receiving emails that I owed XXXX the amount of the funds returned to me {$610.00}. I tried to call XXXX many times but it only asked for an account number which I did not have and the reference number from the email did not work. I did not create a XXXX account. ( Later I found out it was an account created by the merchant to process the transaction ) On or about XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I owed {$610.00} to XXXX. I called them and spoke with XXXX XXXX. He listened to my story and he said he would get more information. I spoke with him several times and he finally said he would send a letter to XXXX asking for the charge that was the cause of the collection account. 

About 6 weeks later I received a letter showing one transaction on XX/XX/XXXX. I then called XXXX XXXX and I explained to that my discover card billing systems show all the transactions and that their is a billing error on XXXX side. He the. Said he would look into it further and I did not hear back from him. 

My XXXX Transaction dates and amounts XX/XX/XXXX Charged : {$610.00} Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Charged XXXX XX/XX/XXXX Charged XXXX In XXXX of XXXX I received a letter from credit Corp solutions. I was surprised because I through XXXX XXXX had resolved the issue. I called them on XX/XX/XXXX and spoke to XXXX XXXX who after hearing my story offered that I pay these fraudulent charges at a 30 % discount. I then asked To speak to a supervisor. He transferred me to XXXX XXXX. XXXX explained the same thing that it does not matter and the time has passed for me to question the validity of these charges. She said that I should have called pay pal. 

This website - gXXXX - was a fraudulent website to post a fake sale and steal money from hard working people. I never received the product and I am being harassed by these collection agencies even after explaining I do not owe these charge. I have offered multiple time to provide my statements showing that the money is not owned and each person I spoke to refused to look at them telling me it does not matter. 

Can you please help me in this matter.
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

XXXX XXXX XXXX across the United States defrauded the students and the system. XXXX XXXX XXXX filed for bankruptcy due to these and many more fraudulent acts. 

I too recently have filed to bankruptcy and the lawyer stated this should be dismissed by the current President. This should automatically be discharged as they have for more than XXXX other defrauded and deceived students. 

It did not help that 4 days after my lawyer officially file my bankruptcy papers that someone representing Great Lakes called and harassed me about making payments starting the month of XX/XX/2021. 

Best regards, XXXX XXXX
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KeyBridge Medical Revenue Management (OH)

XX/XX/2021, XX/XX/2021 and XXXX XXXX, I XXXX XXXX asked Key Bridge to provide me with validation that I owe them an alleged debt. 

KEY BRIDGE responded XX/XX/2021 and another letter which they failed to date. These letters did not provide me of proper proof that I owe them any debt. 

KEY BRIDGE has continued to furnish false and fraudulent information on my credit report. 

FDCPA requires all violators of the law to pay those consumer they willfully violate. 

KEY BRIDGE has violated several laws including using symbols on mail, mail fraud, racketeering, refusal to send information they have of me, false representation, failure to disclose alleged contracts, communicating with me without my consent, refusal to cease communication, violating HIPPA and more. 

KEY BRIDGE believe they are above the law which is proof by their consistent fraudulent activities.
Consumer complaint received 2020-07-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (TX)

Experian responded to my dispute regarding one inaccurate late payment on my XXXX XXXX  by deleting the entire tradeline. On XX/XX/2020 the Deputy Legal Counsel for XXXX sent directions to remove the late payment reference and update the XXXX  Tradeline on my Experian. However, because Experian has deleted the tradeline, the information that XXXX is reporting does not appear on my credit report, dropping my score for no reason. Experian correctly reports the exact same mortgage account tradeline properly on my wife 's report, so they know my report is inaccurate. 

I have no way to dispute an account that has been deleted by Experian and my repeated calls and written requests to Experian have been fruitless. I am stuck with an inaccurate Experian credit report that there is no way to fix.
Consumer complaint received 2020-12-29
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: CITIBANK, N.A. (TX)

I had Citi double cash master card ending in XXXX which was cancelled during XXXX Then a new card was issued to me ending in XXXX. I made one purchase of {$170.00} - pogo pass. Due to pandemic - it was refunded. I called Citi today - customer service was clueless in terms of where the charge will go. Finally they agreed that refund should have come into the new card but all the transactions for the old card ending in XXXX should be shown in the new card ending in XXXX. But it is not the case.
Consumer complaint received 2022-10-29
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. (MO)

In Accordance with the fair Credit Reporting act XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

as 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 2020-07-10
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. (MI)

Experian is " verifying '' an account that was closed over 12 years ago. I also included it on my Bankruptcy 9 years ago. It had a {$0.00} balance. So it was on my Bankruptcy in XXXX and it was closed in XXXX. There it is on their credit report! They are liars. They have it was verified XX/XX/XXXX. NOT POSSIBLE. My bankruptcy was Discharged in XXXX. NOT XXXX. Impossible. 100 %. They are just making up dates since they don't know. Remove this. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$120.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments -
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was XXXX XXXX XXXX XXXX  in XXXX. I cancelled my phone bill with XXXX XXXX XXXX XX/XX/2018, last date of service XXXX. Two years ago a Debt collector reached out to me saying I owed XXXX dollars for my phone bill. XXXX XXXX did not cancel my plan and continued to charge me for 6 months. I have submitted documents to the debt collector, and they will not drop the debt. I then submitted a complaint about the debt collector through the CFPB, but because the debt collector is a smaller agency, they were not required to respond. I submitted paper work to TransUnion trying to remove the debt from my credit however even after submitting ample poof that this debt is not owed, TransUnion refused to remove the debt from my credit.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Klarna AB (NJ)

I made a purchase for {$990.00} on XX/XX/2019. Klarna loaned the money for the purchased at 0 % interest and $ XXXX monthly payments. I was offered automatic debits to avoid missing the monthly payments. I set up auto payments. In XXXX of 2019, I went on the mobile app and scheduled an early payment in advance of the reoccurring auto debit. The $ 55 monthly payment was withdrawn from my checking account but Klarna also attempted the autodebit after this payment. Since I had already paid the monthly payment, the second payment was returned by my bank because there wasn't enough funds in my checking account to cover an additional payment. Klarna charged a returned payment fee of {$25.00} to my loan account. I reported this to them via the mobile app text. The customer service agent said it didn't matter if I made the payment early, the auto debit would still withdraw. I went back and read through their disclosures and at the time there was no information that had stated clearly how early payments would impact reoccurring auto debits. Like most companies, when a monthly payment obligation is made, there is no reason to proceed with an autodebit. So I had no reason to think Klarna was any different. They added this disputed return fee to the next autodebit and withdrew {$80.00} from my account the following month. I stopped the autodebit service and at the end of the loan, I left a balance of the fee. I contacted Klarna again and explained why I was leaving the unpaid balance and that I did not agree with their policy. I paid back the entire {$990.00} loan, with the exception of the fee. In the months since, they had added approximately {$150.00} additional late fees to that fee I refused to pay and continue to send me emails.