davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

I just received a phone call telling me I had a XXXX debt that needed to be settled by the debt collector calling me. He stated his name was XXXX XXXX from diversified consultants inc. phone number XXXX and would not give his physical address but a XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX confirmed that I actually have a credit on my account and a quick XXXX search shows others stating fraud from this company. Also gives a physical address of XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX. 
This person told me I would need to settle this debt through him and give him my credit card number to do so. If not I would be reported to the credit bureau.
Consumer complaint received 2019-06-19
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-02-02
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)

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, Experian, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Consumer complaint received 2018-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

An organization by the name of XXXX XXXX out of XXXX, XXXX   misrepresented a colored diamond investment to me and as a result I have invalid charges on 4 Major Credit Cards totaling over {$53000.00} with the following institutions ; Bank of America, XXXX XXXX, XXXX and XXXX. A Record of the charges and receipts are included in the attached document.. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for transaction documentation from the XXXX Police , a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police . 

Despite this documentation all 4 institutions have refused to honor the Fraud Claims,.
Consumer complaint received 2024-03-03
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 Collection account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX XXXX  BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS EXPERIAN, XXXX, XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system 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 which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

15 U.S. Code 1681eb I reviewed my consumer reports and noticed that I have late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never late on payments for the accounts that I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late and this account is paid in full. This company is not reporting my payments and have inaccurate dates and inaccurate reporting across the board. Please see screenshots attached :
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America had frozen my business account and personal account. I reached out to closer department. She explained to me my account was closed due to a third party checks being deposited into my personal account and not my business account.. I explained that the funds were deposited into the wrong account and and it shouldve had my name on the check as well as my business name. The Response was I needed to call sender to request funds back, until then it will be in a holding account. XX/XX/XXXX XXXX, from Closer department. 
Im requesting for my funds to be returned to me. {$10000.00}. 

Also while my account was frozen Bank of America allowed for funds to leave my account without my consent a month after my account was frozen. I would like for {$680.00} be also refunded to me.
Consumer complaint received 2019-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/28 I received a refund in the amount of {$320.00} from XXXX to my Venmo account. On XX/XX/28 I initiated a transfer to send my refund to my bank account, and Venmo then stopped the transfer and kept my money. Next, they froze my Venmo account and asked me for a picture of my drivers license to unfreeze my account. I then emailed the my DLs and then they deactivated my account and did not provide an answer as to why, and they didnt refund my money.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I paid the future landlord rent of {$1900.00}, moving fee of {$500.00}, pet fee and garage rental fee of {$350.00} and {$240.00} for applications using my Chase business checking card. The apartment on the moving day turned out to be unsuitable for moving in or living. I contacted the person and he wouldn't respond for 2 days. I disputed the charges with Chase providing 43 pages of documents, evidencing inhabitality, violations of the space, no mail delivery from Post Office and basic negligent state. Chase refused my claim and provided all the money to the slum landlord. My 6 years of being business customer of Chase is violated and most definitely the slam landlord  part is the sickening insult to an injury and monetary damage. 

I learned from official XXXX County records that the space is not residential, has numerous violations of safety and the person who claims to be the landlord is not listed as the owner. I am providing all the documents to evidence that along with the highlighted provisions that justify my cancelling the lease by XXXX Landlord Tenant Ordinance that states that non-hability and non-possession are  grounds for cancelling the transaction.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TN)

Correction in documentation- Yes, i have tried to handle and communicate with company about situation. They will not work with me in any ways and are rude and unprofessional place i have ever been a customer of. On XX/XX/XXXX, I received a loan from Cash Net USA for XXXX. A few months later I got a XXXX and XXXX dollar loan. Equaling XXXX. I was not informed that I would be paying XXXX dollars biweekly. I contacted the business. They did not help any and told me " orry we cant help you. Then they agreed to XXXX dollars every two weeks and did not keep their word. I called today XX/XX/XXXX. Asked how much I had paid so far- XXXX. Asked how much more I owed- XXXX. A total of XXXX for a XXXX dollar loan!!! The lady proceeded to say I was charged XXXX each time even though I did not take out XXXX dollars! They are scammers! and do not care anything about their customers! I am a single mother and their is no way possible way I can afford XXXX every two weeks. I have tried to contact the company on several occasions but no response/or no help what so ever. I am not looking for pity- I am looking for assistance. & making this company understand what a horrible company this is.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

In XXXX of XXXX I moved out of my apartment of 2 years and moved into a new home. I unintentionally left my XXXX XXXX account open and was oblivious to the fact until XX/XX/XXXX/XX/XX/XXXX. I received at max 2 letters at my new address stating that this was an attempt to collect a debt between XX/XX/XXXX/XX/XX/XXXX for a balance of {$180.00}. I opened the letters and immediately attempted to pay online MULTIPLE times. If you follow the instructions and attempt to pay at XXXX you are immediately directed back to XXXX XXXX where wouldn't you know it I have no balance outstanding to pay. This roundabout system makes it impossible to pay online and is deceptive and misguiding to the end user. Given that these " attempt '' letters do not clearly state a date at which you must pay the debt by I kept trying to pay online. After finally having enough I called and asked for assistance to pay online again and was told to follow instructions on the letter I have received. This evening ( I called the debt collector in attempts to settle the bad debt in exchange for the removal of the derogatory mark from my credit history as their deceptive & negligent practices are the reason this occurred in the first place and I was told that can not be done. As someone with a very strong history of credit, a well paying job, and hopes to purchase a home in the coming years, a sharp decline in my credit score like this is very troubling to me. It is {$180.00} ... This is by no means unaffordable and something I would intentionally disregard payment on for financial reasons. I have a well paying job and a spotless history of credit and the implications of a lower credit score over {$180.00} seem egregious to me.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I noticed Sunday XX/XX/2019 that funds were being taken out of my account for about a mouth and I didn't notice till 3 charges of {$500.00}, {$510.00}, and {$550.00} were made in the same day. Turns out funds had been charged that added up to $ XXXXover 3 or 4 months. I was very upset and called my bank ( Bank of America ). They assured me would be taken care of and refunded back in to my account. I did not authorize these charges. They told me funds were transferred to a cash trading company. Someone using my debit card information to transfer money from my account to a company called XXXX XXXX XXXX which I did not open or have an account with this company. I called this company and they would not give me any information of account and how funds got there or where they went except to tell me the funds were moved by transferring cash and bitcoin. My funds in my Bank of America account were stolen from me to this XXXX XXXX XXXX and my bank has denied me fraudulent reimbursement. I want the fraudulent stolen funds refunded back to me. I have notified the police and have canceled my old debit card and received and new one. All of this was done electronically without my knowledge, conceit, or approval. I never signed or approved any of these transactions and I need a chargeback or funds returned back in to my checking account.
Consumer complaint received 2023-04-28
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. (FL)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I received notification from Experian that XXXX XXXX has placed a collections account on my credit report, which I never received written notice at my address of the alleged debt, and it didnt have the original creditor listed. 

On this day, I filed a dispute with Experian stating that I have no knowledge of this account and I never received written notice of the alleged debt before being placed on my credit report, which wouldve allowed me to dispute it with company. 

On XX/XX/XXXX, I received notification from Experian that the investigation has been completed and the account dispute has been updated. 

On this day, I contact Experian via phone and spoke with XXXX, a representative. I stated that I am requesting a Method of Verification for my dispute with XXXX XXXX XXXX as the investigation was completed quickly and the account states the balance was updated on XX/XX/XXXX and I wasnt notified of the alleged debt by Experian until XX/XX/XXXX. Unfortunately, I was told Experian doesnt provide this information. 

Then I informed her that I have a right to request a method of verification requesting hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give consumers a method of verification within 15 days of the request. Failure to do so, is a violation of my consumer rights. 

Also, I noticed Experian has an address that is no longer my legal address and the representative refuse to make the necessary changes and put my current and legal address.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (CA)

US Bank is saying I owe them {$1700.00} over 1 penny back in 2007 I tried to resolve the problem I couldn't get any help so I just left the bank alone. They were trying to charge me {$100.00} for the penny overdraft now they want {$1700.00}. They state that they are a federal bank and will get their money. {$1700.00} for 1 penny
Consumer complaint received 2018-03-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Student Assistance (NY)

The case subject : I was charged with a Student Loan without a valid Legal Document as a proof.The charge was made through a series of very intimidating home phone calls.The year : around XX/XX/XXXX. After my Graduation from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( the year XX/XX/XXXX ) I paid two left Student Loans with monthly payments up to XXXX .After this date I was free of debt to XXXX XXXX XXXX XXXX or other Financial Institution. During all the school years my fees and tuition were paid through Grants and Awards Letters received every Semester.As I mentioned above the sudden and unexpected phone calls started around the year XX/XX/XXXX from people from American Student Assistance implying I have a Loan to pay, a Loan I knew nothing about it. What fallowed was a series of disputed and very frustrating phone calls and incriminated letters which went on for years. As a result in the year XX/XX/XXXX my family Federal Income Tax Return started to be collected by XXXX XXXX, a Collection Agency and they keep collecting our Tax Return every year up to present time. Some time ago I was sending a written Complaint to Consumer Financial Protection Bureau explaining my case with more details. The Complaint number is:XXXX and the date submitted to CFPB : XX/XX/XXXX XXXX Product : XXXX XXXX.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LD Holdings Group, LLC (KY)

I advised the debt collectors that I was exercising my right to arbitration and was told the collection would be put on hold and received an email stating. Per the collector the creditor told them I was not proceeding which was not correct. I never received any correspondence stating the collection was taken off hold and found out about the collection when I received an a credit alert
Consumer complaint received 2023-09-14
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Klarna AB (AZ)

good XXXX  yes indeed I use klarna, but since the month of XXXX XXXX I have not made any order first because my purchasing power did not allow me and I wrote to you then from there I did not buy again with you then I lost my phone I will leave you the report of XXXX XXXX  I was without phone for XXXX weeks I reported it to the insurance they sent it to me in 4 days and then I lost the access to the account then you were still logically taking money from my account I will rely on my account logs of course because I saw that you the initial disappears I will leave you all the proofsTHEY STARTED TO REWRAP XXXX ME BECAUSE THEY KNOW THAT WHAT THEY DID IS NOT RIGHT I WILL ATTACH THE PROOF.
Consumer complaint received 2023-04-08
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: Consumer Portfolio Services, Inc. (MS)

I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (NY)

I was SANTANDER CONSUMER USA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (HI)

I am a XXXX service member, I used a military clause to return my leased vehicle to XXXX XXXX. There is no contact information ( email or phone ) I can reach them at for credit disputes, and all prior contact I had reached out to return the vehicle has not been responded to. I have taken screenshots of the return, as well as the vehicle being paid off and returned in full. My credit has taken a drastic hit due to them not flagging my account as paid sooner, resulting in almost 3 months of " late payments '', despite no payments needing to be paid.