davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (GA)

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 XXXX Account Number : XXXX {$620.00} Account Name : XXXX Account Number : XXXX {$56.00} has violated my rights. Or 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 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2018-06-29
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. (TX)

I reviewed my Credit Report by Experian and noticed a 30 day late payment on my XXXX Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by XXXX XXXX. All payments since entering into the program have been paid as agreed. I submitted a Dispute with Experian on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted XXXX on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe XXXX Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (VA)

In ab out XX/XX/XXXX, I opened an acct with SunTrust Bank because Social Security required a bank to do my SSRI into each month. Jumping to XX/XX/XXXX, XXXX cellphone sent its payment to SunTrust, causing my acct to be in a - {$400.00} balance. To clear up that unfortunate situation, an employer sent me as he has attempted to do for 3 months, however, each time , ST ( SunTrust ) kept refusing or delaying acceptances of the job 's payment to me for expenses to do the 2 week. 

Suddenly, on XXXX XXXX, I wanted to correct the incorrect acct number showing on my mobile account. I called ST and then was told that ST is closing my account, BUT it will not tell me anything about WHY IT IS BEING CLOSED and I am not allowed to access the funds in the account to go to my job that has been put on hold for 3 months. 

My complaint against SunTrust is that it is holding funds {$4800.00} just like XXXX AND XXXX  XXXX  HAVE DONE OVER 2 YEARS, totalling {$20000.00} + {$4800.00} and my bills are not paid because XXXX, XXXX, and now ST are holding my money. 

Can your agency prosecute these and hundreds of other financial banks to demand return to me of my nearly {$25000.00} in illegally held accts. 

Thank you.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

On XX/XX/21 ECHANCED RECOVERY CO L, Flagged my credit reports, Damaged my FICO SCORES UNLAWFUL! I have not run my credit except for of me in the process now to buy a home, this wasnt on my credit up until XX/XX/21! 


They are illegally reporting something that i complaints to you guy about before! 

Suspect & Company information : Name : Enchanced Recovery Co L Address : XXXX XXXX XXXX, XXXX fl, XXXX Phone : ( XXXX ) XXXX XXXX Victim information : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX Phone : ( XXXX ) XXXX Im a responsible individual and Im ignorant about this false claim of {$950.00} and need it off my credit report Asap. I cant provide any other information because i am ignorant. to give because I dont have any knowledge! 

It is illegal to damage someone credit wrongfull! 
I need it gone off my Credit report asap!
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am currently being sued for a fraudulent interest and fee attachments by Capital One Bank Corp. I have continually disputed these charges of Interest and Fees because Capital One Bank hidden the account charges until interest and fees were accrued. Capital One Corporation representatives claimed that I requested a " paperless '' account statement. When in fact, I never authorized paperless statements from Capital One Bank ( I never use paperless statement and I always validate my charges from written/ paper statements ). This dispute has been going back and forth for the last three years (? ). At one point, I managed to negotiate a settlement but it was rejected because I demand they restore my credit and Capital One Corp expunge bad debt charge with all credit rating agency. They repeated kick-back the settlement and rejected my " full '' settlement payment.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL CENTER LLC (VA)

The Company CAPCENTER MORTGAGE NMLS # XXXX is advertising on the internet ( https : //capcenter.com ) and heavily on the radio ( and possibly television ) that their mortgages have " ZERO CLOSING COSTS. '' This is untrue. All Mortgages have Closing Costs. They are using Lender Credits to pay for a consumer 's closing costs. Their own fine print explains this but not prominently. The radio ads ignore this altogether.

Those Lender Credits are offered in exchange for a higher interest rate than a consumer would otherwise pay if that consumer paid his or her own closing costs or " rolled them in '' to their new mortgage. They never mention this fact but for the fine print.

This highly deceptive type of advertising is a direct violation of 12CFR1014 among other statutes. It is a violation of UDAAP. It needs to be investigated and the company ordered to cease and desist.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MI)

After roughly 25 years with CitiBank, I carried a high balance for a majority of the time I was with Citi. I paid tons of interest, and finally finally got my balance down. I have paid with money orders since the very beginning with CitiBank, all while sharing this account with three other family members. We had four different cards, all with the same account number. Individually, we made our big purchases using this account and would gather all of our money together in a money order to make payments. All of our accounts were in GREAT standing, and without any warning, all of our accounts were terminated and our rebates ( {$3600.00} ) was also terminated - NO WARNING!
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX or XXXXXXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score. 

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file. 

These fraudulent accounts be blocked from my credit report. 
I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter. 

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.
Consumer complaint received 2018-06-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (WA)

The number XXXX called my personal cell phone asking for " XXXX and XXXX '' who are my brother and sister in law. I asked who was calling and the woman on the line refused to answer my question. Not only did she refuse to identify herself and refuse to tell me how she got my number, she simply said " we use whatever means we can to find people. '' I am a lawyer, but not an expert in the FDCPA, but it seems to me that the FDCPA shouldn't permit every XXXX in America to call my phone because I might be tangentially related to someone who owes them a debt. Apparently ( based on XXXX ) this is Santander auto loans and this is not the first time they've pulled XXXX like this.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me. I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me.
Consumer complaint received 2021-10-22
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. (IL)

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2016 with a Balance of {$1300.00}. Other than been fraudulent, the bank is still reporting a balance of {$1300.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent documents and FTC report months ago never got the results of my disputes this is really getting annoying waiting 30-45 days for them to fix an error that should of never been on my report in the 1st place. 

I sent letters over several month now and still havent got any update or changes to my report... there are unauthorized inquires on my report and child support that are incorrect And should not be reporting on my credit profile also they ( TRANSUNION ) have failed to provide any information about how they verified the alleged debt and inquires. No documentation has been sent to me with my wet signature and I am the only person who can validate these alleged debts I DO NOT VALDATE THE DEBTS AND THESE ITEMS NEED TO BE REMOVED YESTERDAY THEY ARE IN VIOLATION OF THE FCRA section 623 ( c ) 1681s-2 reporting inaccurate information. Its illegal to report information that you know is inaccurate. 15 U.S. Code 1681b - Permissible purposes o
f consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

AND 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (MI)

XXXX   XXXX    {$32000.00} is a work comp bill that is in dispute. Insurance company paid all claims then asked for reimbursement when found out we were in litigation. Claim filed with the state since this is not listed as policy in our health insurance agreement  XXXX   XXXX   XXXX   should be held responsible until if or when we are compensated from our legal litigation and then the insurance company would be paid back.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I have filed multiple complaints before with wells fargo and the overdraft fees. From XXXX wells fargo was rejecting payments to charge my account the max of overdraft charges allowed per day. This was a reoccurring issue that I have complained about.
Consumer complaint received 2021-10-22
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. (GA)

The month of XXXX there have been two lates reporting on my credit report. I reported the documentation to Experian and still have not gotten it resolved. I was never late on any of the accounts and Experian refuse to update my credit report from the 30 day late.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MD)

I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my  credit score  very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the   XXXX   XXXX   XXXX   is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since   XX/XX/10     fyi
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

I previously have written to complain that  Wells Fargo  opened accounts without my consent. the company wrote me a letter with a contact person and phone. I called the person  XXXX  times and left messages but they never returned the call. I never received any sort of legal notice of the class action of which I should have been a party.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 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 2017-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

In reviewing my credit report in late    XXXX   XXXX  ,  I saw a negative entry on my report from  XXXX  collection services. I sent a written letter to this company on    XXXX   XXXX   XXXX    asking for verification of this debt or a copy of my contract with this company. As of this date,  Franklin Collection  Services has yet to respond or provide proof.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 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.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (DE)

I currently have XXXX cable, internet & phone services. My account is current. It is approximately {$260.00} each month. I received a collection notice from a company asking for {$93.00}. I've called XXXX, no definitive answer. I asked how is it I would have current services if I had never paid you {$93.00}. Further more, over the past 12 month period alone, I've paid approximately over {$3000.00} to XXXX. It baffles me how my services remain on & I make payments each month, but somehow this {$93.00} in collections is on my credit report and impacting my score negatively. It has contributed to increased interest rates with other lenders & even credit lines decreased as well.
Consumer complaint received 2023-06-26
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. (PA)

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. 

The letters are stated with items and issues. 

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 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 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My statement balance appeared as unpaid on XX/XX/XXXX, but it was paid. The bank ( Bank of America ) did not register payment until XX/XX/XXXX. The amount owed was {$310.00} and I paid {$360.00}.