davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (GA)

Receivables Performance Collection agency is currently reporting a collection on my credit report for the amount of {$1800.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.
Consumer complaint received 2022-06-13
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: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

the transaction was on XXXX-18 to XXXX XXXX  in the amount of XXXX i called to question this transaction on XXXX-18. i filed a dispute and the paperwork was sent to me to fill out. i recieved the paperwork on XXXX-18 and faxed back the same day. the paper work stated if i returned this no later than 10 business days of the initial call i would receive a provisional credit. i did not receive a provisional credit. i then conducted my own investigation and since i have ordered from walmart.com i asked the to research their records if a transaction in the amount of XXXX was collected on XXXX-18. no the didn't have a collection or transaction. they connected me to XXXX XXXX  informing that XXXX XXXX and XXXX   were two different merchant. XXXX XXXX  did not have anything either because i have never purchased anything from this website. my dispute was temperarily closed waiting for receipt information of the original transaction i dont have a receipt because i havent purchased anything from XXXX grocery. i sent a statement with all this information i had collected 0n XXXX-18. and also mentioned that their were no preauthorizations for this amount and that it should have been declined because their were insuffecient funds to cover the amount of XXXX if XXXX didn't collect this money and XXXX XXXX  did not coollect where is my money.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I paid my rent payment to XXXX XXXX XXXX and had available funds for transaction of {$1900.00}. Regions rejected payment on XX/XX/XXXX. They admitted mistake and reimbursed me for return check fee, but theyre not willing to reimburse me for the {$150.00} the other merchant charged me.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Experia failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX XXXX/XXXX
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam, I am writing to dispute the accuracy of my credit report. The following information is what I believe to be correct : Name : XXXX XXXX XXXX ( 15 U.S. Code 1681i ) Address : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX ( 15 U.S. Code 1681 ) Please delete any other personal identifiers that are not listed above and ensure that there is only one of each type of personal identifier on my credit report. I believe that this is required under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

I also reserve the right to seek remedy for any violations of my rights under the FCRA. If you can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

There are 2 medical collections that have popped up on my XXXX, XXXX and XXXX credit reports from Medical Data Systems. One is for {$970.00} and the other is for {$11000.00}. I do not recognize these debts, nor did I receive anything in the mail about them or receive any phone calls regarding these debts. I have tried to contact Medical Data Systems to validate the debt but haven't received any debt validation. These are not my medical issues. Please delete.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX : I arrived at a BoA location to make an ATM deposit. I attempted to use an ATM. It gave me an error. Another customer was off to the side and noticed this. He said that ATM is having issues and that he is on the phone with BoA right now about an error that ATM just made on his transaction. I cancelled out of that ATM, walked over to the next one and made my deposit. When I requested an e-mail only receipt as usual, it gave me an error and printed one instead. I didn't think more of that - I threw the receipt away. 

XX/XX/XXXX : I noticed that BoA made the deposit successfully but also made a withdrawal at the same time for the same amount. I called in to dispute this as I did not make this withdrawal. I gave the rep all info including about the other person who was on the phone making a claim. 

XX/XX/XXXX : I received notice from BoA that my claim was denied because it was " The same person that used both ATMs ''. At this point I realized that the ATM glitches were causing them to think I used and made a withdrawal at the ATM that gave me an error. I asked them to re-check the claim and get photo and video proof that I was withdrawing money from that ATM. I specifically mentioned this being a BoA banking location lobby on XXXX XXXX in XXXX XXXX, blocks away from XXXX XXXX. I mentioned this because they should have very clear photos and videos of that entire transaction that would be easy to pull. The agent said they will get back to me within 10 days, the standard for claims. 

XX/XX/XXXX : I called in BoA to get an update on the status. The first agent said they don't see any updates since XX/XX/XXXX and they asked me if BoA had reached out to me since XX/XX/XXXX. I said they did not and requested an escalation to a manager. I spoke to a manager who told me that the guideline for reopening claims is actually 60 days and that they do not have any limit on the amount of time to review a re-opened claim may take. 

It's at this point now that I'm frustrated because BoA glitched out, took money from my account, refused to properly review the claim, did not communicate the " guideline '' for reviewing reopened claims, and now they are telling me they have no timeline to review the re-opened claims.
Consumer complaint received 2020-12-15
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. (CA)

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Consumer complaint received 2019-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES (VA)

I pulled my credit report on XXXX XXXX. And found a student loan to Great Lakes. The student loan was in Georgia I have never been to Georgia and no one I know goes to school there. The rep at Great lakes gave me address of person XXXX XXXX XXXX XXXX, ga XXXX and email XXXX XXXX
Consumer complaint received 2022-06-13
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. (GA)

XXXX XXXX XXXX XXXX Credit Card... When I paid the credit card account with XXXX XXXX. The representative that I spoke said that she/ XXXX XXXX would send me a paid in full deletion letter.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX Credit Card... When I paid the credit card account with XXXX XXXX. The representative that I spoke said that she/ XXXX XXXX would send me a paid in full deletion letter.
Consumer complaint received 2020-12-14
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft that occurred in 2015 or before.. I became aware of the breach and took action in 2015.

I have filed a police report and your FTC Affidavit.

I am a XXXX XXXX and can not seem to understand why this company keeps pursuing me on a debt that is not mine.. This is crazy.. especially a debt that does not belong to me. I am getting ready to sue these people but before I spend additional money trying to resolve this I figured I would reach out to my government.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

I have been a Discover credit card customer since 2016 and during this whole time I always paid my bill on time. Because of that payment history they even converted the card from a secured to an unsecured card over a year ago and when those payments are made it takes less than 48 hours to see the credit available on my card. This month I made my payment few days after the due date ( First time ever ), the amount of {$120.00} posted a day later on my bank statement. It also posted on the discover system yet they have not made the funds available. I contacted them to resolve the issue but they were very rude, disrespectful and just refused to assist. They pretty much said that it will post after 8 business days and there is not much I can do about it. I feel very insulted and decided to close this account however i need my payment to post so I can determine the final payoff and take care of everything at once. They are being very uncooperative and nasty for the simple reason that I made one single late payment so they would like to make sure that they penalize their long time customers. This is a very unfair business practice.
Consumer complaint received 2019-03-21
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. (NJ)

XX/XX/XXXX Dear CFPB, I have written to Transunion credit bureau on several occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing the fact that the accounts below are not my account ( s ) and or /incorrect. I have requested that Trans union investigate these account and delete them from my credit report, there response was VERIFIED AS ACCURATE AND UPDATED and contact the creditor. So I contacted the creditors listed below and asked them to validate the debt and all three creditor ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX ) failed to validate the debt. Next I sent Transunion a 2nd request  letter asking them how did thy verify the accounts and to send me the proof used to verify the debt was main sense the creditors could not or would not send me proof that the accounts was main. Once again Transunion continues to responded was the accounts was verified and accurate ( even when I sent them documentation that XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX FAILED TO VALIDATE THE DEBT ) see uploaded attached file. The 3rd letter was sent on XX/XX/XXXX pointing out to them that all three creditors fail to validate the debt and demanded that they remove / delete these account from my credit report. Let this be a formal complaint against Transunion, the following accounts are items that Transunion has refused to investigate/validate and correct/delete from my credit report : account 1.  XXXX XXXX XXXX Account 2. XXXX XXXX Account 3. XXXX XXXX XXXX  Thank You
Consumer complaint received 2022-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

I have a mortgage with US Bank and my wife and applied for a mortgage assistance plan since we experienced a financial harship due to COVID. The bank placed us on a trial plan where we needed to make three payments to them to show that we could be reliable. We made all three payments and when I called and made the third payment on XX/XX/XXXX they stated that they would be sending out final paperwork for my wife and I to sign and return to them. The representative did not mention anything about a pending additional request for information. I frequently logged on to our account online to check the online portal for the final documents as well as checking my mail every day. After not receiving anything from the bank I called on XX/XX/XXXX to find out if they had sent the documents. I was informed our application had been terminated due to requested documents not being returned. After spending an hour and a half on the phone speaking with three representatives and a Manger I found out it was a request about our HOA that I had not received in the mail or through the online document portal that had caused our application to be terminated and not the final paperwork. I begged and pleaded that they reopen the request and please let me know what information they needed and I would get it to them as soon as possible but they said they could not help me and that I would have to reapply and start the entire stressful process over again.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Accounts Receivable Consultants Inc. (TX)

I have an account with Accounts Receivable Consultants, Inc.  that was paid in full in XX/XX/XXXX. The account shows a XXXX  balance, but the status of the account is reporting as " open. '' I've spoken with an account representative ( the same account representative ) on 3 different occasions in regards to the account status. She confirms that the balance was satisfied, but she is not understanding my request to update the status to " closed '' if possible. I continue to reiterate that I'm not requesting to have account removed from my credit, as she thinks. Our last conversation on XX/XX/XXXX, she again told me that what I was asking for was not possible and released the line as I was explaining that the account still shows as open. It's clear that this company is not attempting to listen ans or assist in the matter.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX, FL. XXXX Dear Ms. XXXX XXXX, Re :  Account Number XXXX First, I want to thank you for your services and kind support to both myself and my wife, XXXX in regards to our dispute relating to the above account. 

As per our conversation on XX/XX/XXXX, please find the attached documents in support of our dispute. It is clear that we made a payment online XX/XX/XXXX for said month ( see attached ), but the portal system scheduled the payment for XX/XX/XXXX. We have no control over when they get the money from our bank ; in this case they got the money XX/XX/XXXX. 

Even though the payments are due the XXXX of each month, XXXX XXXX allows us to make payments up to the XXXX of each month without penalty ; that is 10 days after the due date ( see attached example ). In this case the month of XX/XX/XXXX, XXXX XXXX got the payment 9 days after the due date, of which is XX/XX/XXXX We have in the past, made payments on the XXXX of some months and was not penalized. ( see coloberated bank statements attached ). This time their credit dispute department report our payment as delinquent to TransUnion, just 7 days after they received the payment, and as a result our credit score has been seriously damaged ( see attached ). Since then, we reached out to them verbally and in writing aimed at a fair resolution but they adamantly assured us they will not make any changes to their reports to the credit bureaus. 

I am now preparing a complaint to report to the Consumer Financial Protection Bureau and the XXXX, and the credit bureaus, but will not file it before the next seven days, in case your intervention makes a difference ( hopefully ). 
Thanks once again for your time, goodwill and effort in this matter. We do appreciate you, regardless of the outcome knowing you can only do so much in cases of this nature. 

Yours truly, XXXX XXXX Email Disclaimer This E-mail contains confidential information belonging to the sender, which may be legally privileged information. This information is intended only for the use of the individual or entity addressed above. If you are not the intended recipient, or an employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any disclosure, copying, distribution, or the taking of any action in reliance on the contents of the E-mail or attached files is strictly prohibited.
Consumer complaint received 2019-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I received a loan of {$1100.00} from XXXX XXXX also known as XXXX  XXXX in XX/XX/2018. I made a payment in XX/XX/2018. Once that payment was made I realized the portion of it that went towards the principal was barely non existent and most of the payments would be towards the interest. After further reviewing the contract I realized this loan was unlawful due to the interest rate being charged. They are violating usury laws in the state of SC as far as the interest rate being charged to customers. The legal rate of interest max is 8.75 %. There are usury penalty laws that apply to XXXX XXXX in regards to this loan and I'm sure many others. I am not trying to get out of paying back the amount borrowed but will not and am not going to be liable for paying the unlawful amount of interest they charge.