davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OK)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-26
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: Resurgent Capital Services L.P. (TX)

I have disputed the validity of a debt with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has advised they were deleting the tradelines from my credit report. However, Resurgent has failed to delete their collection. I sent them a validation letter on XX/XX/XXXX and they have yet to reply. It is beyond the 30 day time frame.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (NY)

I was notified by Synter Resource group on XX/XX/2019 regarding an alleged debt. I have reason to believe I do not owe this debt because I have never conducted business with XXXX XXXX XXXX  XXXX, XXXX. I have never received a bill, nor an email. 
I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in New York. 
I notified company within 30 days of being notified about this debt, and expressed they must cease attempting to collect this alleged debt until after they have provided the requested information. They refused to supply the information in writing and instead stated they are unable to do so and can only communicate via email. 

I notified XXXX XXXX XXXX XXXX myself and was told that the debt is not mine, that it was a mistake, and they have rectified the account. Synter Resource group continues to contact me via email that I owe a debt that is collecting late fees and interest after I notified them in writing to cease and after XXXX XXXX XXXX   XXXX rectified my account.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX  credit card account has been voluntarily closed by me and is required to be promptly reported to Experian as Closed by Consumer. However, XXXX has failed to promptly report my account as CLOSED in willful violation of the FCRA and my XXXX  account still remains inaccurately reported as OPEN. Please accurately report my CLOSED account pursuant to the requirements of the FCRA and all required and mandatory Metro 2 protocols.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (GA)

On XX/XX/2019 my Direct Express Card was reported fraud use, we have reported the card twice and they said we have a new card on the way. XX/XX/XXXX the card they supposedly closed there was another fraud charge. This is my SSI benefits, I am a veteran I depend on this every month. The Direct Express Customer Service say 's we are working on it. I told them I don't live in California and the charges are from XXXX XXXX XXXX and a College in California. I lost {$700.00} this month and if this continues this will build up. People are complaining about this Company. The hold times are over two hours and at times they will hang up the phone. This is really effecting my way of life I can't depend on this company to handle my Government issued card. I am contacting the Social Security in XXXX, GA to try to get this Government Direct deposit changed. There is a lot of people not receiving there money back. I hope this doesn't happen to me. XXXX try calling you will be on hold for two hours and your problem will never get addressed. I don't understand why the government is not looking into this matter if you could help. We also tried to close the account and they said they have to send paperwork to me meanwhile my card is being charged. I have not be able to get this resolved.
Consumer complaint received 2019-06-12
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: Bread Financial Holdings, Inc. (CT)

On XX/XX/18 I ordered a supplement on line the price was {$5.00} which I never got but when I got my bill there were 4 charges ( last four number of credit card XXXX ) XX/XX/18 {$5.00} XX/XX/18 {$4.00} XX/XX/18 {$89.00} XX/XX/18 {$90.00} I called the merchant directly and told her to cancel my order and give me the credit they charged to my credit card she said she will resolve the problem and than I called my credit card company and told the story they close my account and sent me the new credit card with new last four number XXXX ) I got another shock when I see they charge me again on XX/XX/18 {$89.00} and then I have to closed my account for good. 
I authorized my card only for .XXXX The Comenity Capital Bank said they will take 90 days for investigation even I closed my account but still I got charged I paid minimum balance for 3 months but they never resolve the problem they kept charged my late fee and interest for last 7 months instead of getting about {$100.00} credit from Comenity Now I owed them {$380.00} and no body listen at the Comenity
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Services, Inc. (AZ)

I recived XXXX separate collection agency letters from the same company regarding the same account with XXXX separate balances. I feel this is a thwarted attempt by a company to collect multiple times on the same account for a debt that was written off in which I requested validation of the debt from the original creditor as well as an agreement with my signature binding me to the alleged debt.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX on my credit reports with XXXX and TransUnion. The inaccurate reporting by XXXX XXXX has led to significant discrepancies in my credit reports, negatively impacting my creditworthiness and financial standing. 

The account in question, XXXX, has been reported differently by XXXX and TransUnion. XXXX reports the account as being 120 days late, while TransUnion reports the account as being charged off. Additionally, there are discrepancies in the reported balances, with XXXX reporting a balance of {$1000.00} and TransUnion reporting a balance of {$1000.00}. Other discrepancies would be the reflected 90 days late. XXXX is reflecting two separate dates XX/XX/2023 & XX/XX/2023, and this is inaccurate and harmful to my creditworthiness. 

Furthermore, there are inconsistencies in the reporting of payment history. XXXX reports a good standing payment history for XX/XX/2023, while TransUnion does not report any payment history but reflects the account as charged off. 

I do not believe that this information is accurate and am requesting documentation to validate the accuracy of this account. Verification must be provided in the form of an original agreement or contract signed by myself and an officer of XXXX XXXX. Without proper validation, I can not accept the accuracy of the reported information. 
I demand that XXXX and TransUnion conduct a thorough investigation into this matter and provide me with a written response detailing the actions taken to rectify these discrepancies within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I also demand that any inaccurate information be promptly removed or corrected from my credit reports. Since TransUnion is reflecting that this account is charged off, I am demanding the 1099c ( cancellation of debt ) form from the IRS that reflects this accuracy. If this information can not be validated as true, then this account is fraudulent and this account must be deleted. 

XXXX is reflecting this account is open and late while TransUnion is reflecting this account is closed. This is another inaccuracy. 

Failure to comply with my request and rectify the inaccuracies in a timely manner may result in further legal action to protect my rights under federal law.

5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you XXXX  XXXX XXXX.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

On XX/XX/2022 at XXXX XXXX XXXX XXXX, I was called by XXXX at Rocket Mortgage. After hearing XXXX initial pitch I asked him to out me on the do not call list. Instead of agreeing, he attempted to rebut my objection. This happened three more times until I asked XXXX for his license number and to speak to his manager, at which point he hung up on me. I called Rocket Mortgage twice to complain about XXXX behavior. The first time, they said they were transferring me to XXXX  supervisor and then they hung up on me. The second time, they gave me an excuse as to why I couldnt speak with a manager and I told them I would file a complaint. So here I am.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Date Opened : XX/XX/13 Balance : {$0.00}. Please remove this fraudulent account ASAP.
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

Pandemic ( Covid 19 ) has caused me to have 1 late payment out of the 2 years I had the loan. Creditor updated late payment then turned around and put the late payment back on credit report. Sent goodwill adjustments.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (SC)

Attempted to cancel the account online at my settings but PayPal would not allow me to cancel. Said I must call the company which I have attempted to on two occasions but the wait times are hours. 

PayPal is doing everything they can not to take my emails, calls or allow me to close my account despite the balance being {$0.00}.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX a wire transfer was made by me to Bank of America as a refund for a supposedly mistake made in a deposit to my bank account. This occured when I saw a false bill on my XXXX account. I called XXXX after I sign into my account. They switched me to fraud and I was transferred to a man who was going to fix it. He sent me a form to fill out on my computer. I put the amount of {$500.00} and their side showed it as being a {$50000.00} refund to me by mistake. It showed in my checking account for a day and while it was there they asked me to transfer the money back in XXXX payments ( first payment was {$39000.00} ) so it would not be handle as a business payment that would have been subject to federal taxes. Now keep in mind I was transferred to this person while I was on the phone with XXXX and yes it was the correct phone number. The money was transferred to an account at Bank of America at XXXX XXXX XXXX, XXXX XXXX CA. Name on account was XXXX XXXX account # XXXX Routing Number XXXX. After I transfer the money their deposit no longer showed on my statement and the money was taken from my personal funds. So I lost {$39000.00}. This was on a Friday, when I saw their money was no longer in my account and I was out {$39000.00} out of my account I called my bank and had them report as wire fraud. So I got a letter from my bank that Bank of America sent saying the following : Greetings, Thank you for contacting the Bank of America XXXX XXXX XXXX. Your claim number is as follows XXXX is in process of actively being worked by assigned analyst. A claim such as this can take up to XXXX business days to resolve., however, there may be circumstances which may cause the resolution time to be longer. We are working hard to get your claim resolved as soon as possible. 
Regards, Bank of America XXXX XXXX XXXX XXXX Bank of America : Proprietary and confidential. 

Please Do Not Reply-This is a System Generated My bank has tried calling I have tried calling and you can never get through to anyone. I am frustrated in the fact I can not get any resolve on this issue or information on this. As far as XXXX switching me to there fraud dept I can't get any resolve there either.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

I share a Santander Consumer USA loan account with my wife and we made on time payments with the loan and then we decided to refinance with a different bank. The problem for XXXX has been corrected on my wife 's XXXX credit report with one credit bureau, but not for XXXX. On my XXXX credit report for the first month, XX/XX/2018 Santander is saying they " can not find our payment '' in their system. I showed bank statements proving that we made the payment. They will not report paid or current. For the payment in XX/XX/2018 we did not make the payment but the refinancing was completed and paid in full before 30 days late. On my credit report before the dispute it showed XXXX was 30 days late and XXXX was closed. Now after the dispute it shows XXXX and XXXX both 30 days late and Closed in XXXX. That is completely incorrect because it was paid in full in XX/XX/2018.
Consumer complaint received 2018-06-17
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. (TX)

These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -
Consumer complaint received 2022-03-14
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: PNC Bank N.A. (AR)

I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I called Capital One Bank to report my Capital One Bank credit card lost/stolen. Capital One Bank sent me a new card with a new account number, but I am not able to use my new credit card while Capital One Bank Fraud Department is investigating the fraudulent charges on the previous account. Capital One Bank is holding me liable for fraudulent charges that are not my charges and are fraudulent charges thats unauthorized and not my charges. My liability under the Fair Credit Billing Act ( FCBA ) for unauthorized use of my credit card is {$50.00}. Capital One Bank is holding me liable for over {$300.00} in unauthorized and fraudulent charges. Thats illegal and unlawful. Capital One Bank is violating the Fair Credit Billing Act under federal law. They are in violation of The Fair Credit Billing Act ( FCBA ). The fraudulent charges are unauthorized and not my charges.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

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 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 purpose.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I have 3 credit cards from US Bank.

Changed my payment bank account to new bank account. But US Bank can't handle it at all. When i am trying to setup auto pay, I am getting this error : Our system isn't cooperating. Please try again.

Our system isn't cooperating, Please try again. 


Talked to customer service on XXXX XX/XX/2023 during XXXX XXXX  onwards. Later to supervisor. Nobody is of any help - in fact they don't know what are they talking about?
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX XXXXXXXX Balance : {$64.00} XXXX XX/XX/2022
Consumer complaint received 2022-10-26
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)

I spoke with Equifax representative in XX/XX/2022 regarding my last name being misspelled on credit report. I also sent letter back in XXXX. I have not received any other communication from Equifax that this matter is being addressed.