davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

FirstPoint Coll  repo Today I had a collection showing in my credit report. A medical biller that my insurance paid. I called and verified that this bill was paid. I contacted the collection agency FIrst Point Coll Repo and the person was very agressive and XXXX and rude. He was asking me for money to have it deleted it from my account, ( money to him ) not the actual debt since the debt had been paid. He wanted money and was yelling at me and then started making very XXXX comments and after I hang up he was texting me on my phone ( he texted from XXXX dif numbers ) since I blocked him, he sent many texts messages threading me and making XXXX comments about my accent. Luckily I was able to record part of the phone call and I have text messages showing how aggressive and disrespectful he was.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NC)

I do not owe this debt. The merchant, XXXX XXXX never issued a refund to Affirm to cover the outstanding balance due to the package not being received. I have attached proof that I am not responsible for the debt and that XXXX, the delivery courier had to step in an resolve my matter as the Merchant never resolved the issue properly. I want the debt collector to stop sending me emails and contacting me via phone. I want my credit bureaus updated and all negative remarks associated with this account removed immediately. The merchant charged and Affirm charged me for items that never arrived which is fraud and illegal.
Consumer complaint received 2022-12-14
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. (PA)

There are hard inquiries on my files that I do not recognize. I mailed letter to all the companies and informed them that I dont know how they obtained my personal information and accessed my credit file. 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Moreover, I never applied for credit with the mentioned companies. Informed all of them that I didnt give them written consent to obtain my credit report. I didnt get any correspondence back from any of the companies. TransUnion XXXXXXXX and XXXX XXXX XXXX XXXX just sit back and dont help consumers such as myself. TransUnion and XXXX XXXX XXXX XXXX  breaks the law all the time. That is why the CFPB is suing TransUnion for continuing to deceive consumers.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

VISA Account Number : XXXX XXXX XXXX XXXX VISA Account Number : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX VISA Case Number : XXXX Merchants Name : XXXX / XXXX Date of Transaction : XX/XX/2020 Sir : On XX/XX/2020, I paid {$430.00} + {$430.00} = {$860.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX flight number XX/XX/XXXX XXXX for XXXX from XXXX XXXX to XXXX, and flight number XX/XX/XXXX XXXX for XXXX from XXXX to XXXX. 

On XX/XX/2020 ; I received an email shown in EXHIBIT 1 from XXXX XXXX advising that flights were cancelled by XXXX. 

On XX/XX/2020 ; I phoned VISA and requested a charge back credit of {$860.00}. 

On XX/XX/2020 ; VISA issued a temporary credit of {$860.00}. 

On XX/XX/2020 ; I faxed document shown in EXHIBIT 2 to VISA, to comply with their request. 

I received a letter dated XX/XX/2020 from VISA ; shown in EXHIBIT 3. 
The letter advised that the charge for {$860.00} was being reapplied. The information provide by XXXX stated that I had requested a voucher in lieu of the credit of {$860.00}. This is a false statement, as I did not request such voucher. At this time, I request a credit of {$860.00}.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (GA)

I book a XXXX and the host didnt want to give me access to the property. I call my bank to dispute it and they told me they wont be able to dispute the transaction under section E. I have to book another XXXX  for almost the same amount as the first one. They kept saying the claim can not be disputed under regulations section E for not receiving good or merchandise
Consumer complaint received 2020-02-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

TO WHOM IT MAY CONCERN : TRANSWORLD SYSTEMS AMOUNT : {$2200.00} DATE OPENED : XXXX XXXX I Recently received a copy of my credit report, and I noticed this collection that I did not authorize and of which I do not have knowledge. 
Please be advised that by law no collection can be placed on my credit without my authorization. I am requesting that these collection be removed immediately from my credit report. 
Please send an updated copy of my report after this inaccurate information has been removed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (MI)

A company called FBCS inc has repeatedly called me and attempted to collect personal information from me. They state they can not share their reason for collecting this information and can not give me further information until I give them all of my personal information. 
I received a letter stating that they were trying to collect I debt I owed to XXXX. I contacted XXXX and they stated my account was fine ( and had even been closed for several years ) and no debts were ever owed and FBCS inc does not represent them in any way. 
This is obviously a scam. 
Several other people have commented on online reviews that they are also being harassed by this company. 
This is the second year in a row that they have been harassing me by phone and by federal mail. 
Last phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
Letter dated XX/XX/XXXX.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

The bank closed my account but will not release my ach deposit payroll. They state that they do not have to release my funds. There is no pending transaction nothing is being held no activity at all. I have filed 4 complaints and the branch XXXX has done the same
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (RI)

I have had issues with TD Bank credit card and bank account services since opening in XX/XX/XXXX. I have already closed my bank accounts. I have made several attempts to close my credit card. There are excessive hold times. On my 4th attempt, I got through to a representative and provided all details to close my credit card ending XXXX and expiration XX/XX/XXXX. The representative provided the required disclosure information verbally and advised she was closing the account. The call was placed on XX/XX/XXXX at XXXX. As of today, XX/XX/XXXX, the account is still open with an available balance of {$10000.00}. It was supposed to be closed immediately. I am requesting CFPB send notification to TD Bank requesting account closure.
Consumer complaint received 2022-12-14
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. (TN)

I demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the accounts.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have tried to apply for an account with XXXX  ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use XXXX
Consumer complaint received 2023-03-19
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. (IL)

Reported these are fraudulent inquires on my credit file. i did not authorized these inquires but these companies will not send me proof it was me, they refuse to remove them saying its accurate when it is not
Consumer complaint received 2022-12-14
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. (MO)

Experian is in violation of 15 U.S. Code 1681a : Under exclusions the consumer / credit report MUST not report containing information solely as to transactions or experiences between me the consumer and the Experian making the report. My late payment is my transactions or experiences. The credit report furnished by Experian indicating late payment influences my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX  XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CA)

GM Financial has put a 30 day late delinquency on the disposition fee of the return on my lease. I had returned the vehicle on XX/XX/XXXX. My account was put on auto-pay, but was not aware that they had removed my auto-pay information after the vehicle was returned. I had a 3 year lease for a XXXX XXXX XXXX. During this time, we had moved to another apartment after the vehicle was returned not receiving the latest letters from GM Financial. I did receive a call that I do not have recollection of in the middle of XXXX as my family and I were dealing with COVID exposure and quarantining for 2 weeks. The balance was settled on XX/XX/XXXX, 2 days after the apparent 30 day bill in the amount of {$430.00}. I was never late on any payments throughout the lease and did not have insufficient funds. I was under the impression this would be automatically taken out, however this was an unfortunate miscommunication and timing.
Consumer complaint received 2018-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

My payment records indicate the Bill Generation Date is XX/XX/XXXX. With a statement from XXXX stating I had past due amount of XXXX dollars ( XXXX ) dollars per month. It is now XX/XX/XXXX and I have received information that my Federal Perkins loan has entered default status. I have made two attempts to send paper form forbearance requests to the company via paper mail. The first one was lost because it was sent to the wrong branch of XXXX. The second was obviously either not received ( I made specific attempts to get the address correct on the 2nd mailing ) or they did not apply it before they changed my loan to default status. I have encountered much confusion and inability to access my account online due to the multiple branches of XXXX and the changes that have taken place within the organization. To my knowledge my account has only been diliquent for 4 months. Of which time I have attempted to apply for forbearance. At this current time I am eligible ( Or would be if I was not defaulted ) for deferment due to in-school enrollment. The information I have researched on Federal Perkins loans indicates a 270 day Grace period, of which this has absolutely been cut in half. I have made successful attempts in the past to get this loan into forbearance and deferment. The past year XX/XX/XXXX I was enrolled at a federally recognized university for the XXXX semester XX/XX/XXXX-XX/XX/XXXX. I took time off until due to mental and emotional healthy until my semester starting XX/XX/XXXX. I received multiple letters from XXXX at the end of XX/XX/XXXX, which I saw a balance of {$0.00}. I thought that I was current on my forbearance and deferment. I could not keep track of my online account because no one was able to sufficiently provide me with the information needed to access the proper avenue of displaying my current and correct XXXX information. I'm just lost for words and don't understand. Now I have no idea whether I will be able to receive financial aid for this current term of school or whether they will suspend eligibility due to my negative interactions with XXXX. The company is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA. XXXX, they have sent my " defaulted '' loan to The U.S. Department of Education ( the Department ). They say I have 90 days to pay it off in full and 60 days to contest it. Meanwhile I'm generating $ XXXX in either charges or interest, I'm not sure. My interactions with XXXX  has caused me a great deal of emotional distress. I am completely dissatisfied with their online account systems of trying to gain current information on the status of my account. It has failed me tremendously. I don't know what to do. Due to my inability to access my account online I have not been able to keep a concurrent record and tracking of my forbearance status. I would love to obtain all records from XXXX and see what their records reflect.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (FL)

I received a credit inquiry om my Experian file on XX/XX/2023 from XXXX XXXX XXXX. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.
Consumer complaint received 2023-03-20
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 want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

We got billed more than one item. We didnt approve charges and company told us multiple times we needed to pay either way. We disconnected with company right away. But now it is on our credit history. We dont find it fair that we got charged extra. And not even the fees.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (GA)

I paid my car loan on XX/XX/2022 for XXXX dollars they charged me twice second charge was on the XXXX I didnt approve this charge they have took all my money and says theres nothing they can do that I have to wait 15 days I dont have 15 days this has put me in a big bind now with XXXX XXXX to get XXXX XXXX or XXXX my kids because of a so called system issue there having Im XXXX
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

First, I would like to comment, I have been filing complaints since XX/XX/XXXX Complaint Number : XXXX. S.P.S. is totally disregarding all complaints and NOT ANSWERING, my concerns. The last complaint was closed out with, CALL OUR FORECLOSURE LAWYER. This kind of behavior is UNNACCEPTABLE, S.P.S. seems to not understand the complaint, or choose not to, and we let these companies take hard working people 's homes from them? Complaint 1, Why did you S.P.S. close out the account in XX/XX/XXXX, with the Credit Reporting Agency, XXXX, as, DEED IN LIEU OF / BANK LIQUIDATION. ( see attached photos ). Complaint 2, I had the Attorney Generals office of XXXX XXXX, fax over to S.P.S. ALL of my financials and you S.P.S.  do not even acknowledge getting them other than in the last answer to my complaint you stated that they were not ledgeable. Impossible as they were mailed out to the Atty General 's office and then you, S.P.S. NEVER NOTIFIED ME, that you got them nor requested additional copies as YOU, S.P.S. had no intentions on working this issue. Oh, I did call YOUR LAWYER, S.P.S. and they told me that YOU, S.P.S. tell your customers ALL THE TIME TO CALL XXXX and XXXX, I did speak to them this morning, XX/XX/XXXX.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX Do not recognize, may be unauthorized XXXX XXXX XX/XX/XXXX There are multiple inquiries all within one day of each other on my credit report but I only authorized one. Please remove all of these unauthorized inquiries immediately.
Consumer complaint received 2019-07-01
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. (NY)

I saw some questionable data reporting on my report from a XXXX  XXXX account with an account number XXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX  XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (SC)

In accordance with the Fair Credit Reporting Act, Jefferson Capital Systems , LLC account # XXXX has violated my consumer rights. I did not give Jefferson Capital Systems , LLC my written permission or instructions to furnish this negative account on my consumer report. 15 US Code 1681 section 602A states that I have the right to privacy. 15 US Code 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written permission or instructions. 

Please see attached***