davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (AL)

XXXX XXXX, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. XXXX XXXX  Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX- {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Consumer complaint received 2018-07-08
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. (NY)

I had a collection account on my credit reports from Experian, XXXX   and XXXX from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I just found out that Bank of America closed my credit card last Tuesday, XX/XX/2023 and I didn't receive any notice about it. I just got a letter yesterday that Bank of America will be restricted and permanently closed my personal saving account for 30 days from the date of the notice ( XX/XX/XXXX ). I have XXXX reward points with my Bank of America Travel Rewards XXXX Signature card. The Bank of America closed my credit card without my authorization. I have XXXX reward points that's worth XXXX dollars toward travel ticket or cash. The Bank of America didn't give me that money and claimed that the account was closed and that there was nothing that they could do about it. How can the credit card company close my account without sending me my reward check? I purchased with the Bank of America credit card and I never redeemed my reward point. This is thievery! Please help me get back my money. 

Thank you!
Consumer complaint received 2022-03-27
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. (NC)

XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.
Consumer complaint received 2021-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (IL)

I, XXXX XXXX, received a statement from American Express stating that XXXX XXXX owes a past debt of {$1700.00} and a new debt worth {$450.00} which as the original creditor, I do not validate and deem this inaccurate. American Express is in violation of 15 USC 1692 B ( 2 ) - Acquisition of location Information stating that I, XXXX XXXX, the original creditor owes a debt. This alleged debt also includes an interest charge which is in violation of 15 USC 1605 A ( 1 ). American Express is also is false representing the total amount which is violating 15 USC 1692 E ( 2 ) - False or Misleading Representation by saying I owe a past debt of {$1700.00} and a new debt worth {$450.00}. American Express is harassing me and impacted my XXXX XXXX XXXX XXXX XXXX Claiming that I owe a debt to this is very offensive and American Express is violating 15 USC 1692d ( 2 ) - harassment or abuse.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OR)

Mr. Cooper has predatory re-financing practices. I had a discussion with them about re-financing our mortgage last week, and since then, I have been barraged with phone calls, emails, and texts. This morning alone I received 14 phone calls. Their most recent text message said, " We'd love to help you stop all of the phone calls and find you the best mortgage option. '' This seems like a threat. 

Please log my complaint against Mr. Cooper. 

XXXX XXXX XXXX, Oregon
Consumer complaint received 2021-12-12
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

Dear, I had two accounts with XXXX annually paid {$110.00} couldnt cancel expired on XX/XX/XXXX and monthly {$39.00} was canceled on XX/XX/XXXX after infecting with XXXX, both subscription under XXXX the monthly {$39.00} originally charged with Discover card ending XXXX after getting infected with XXXX my card was hacked and changed ending XXXX same discover card i call the number XXXX and canceled but my card was hacked again and it changed to XXXX but at time XXXX  didnt have the new number only XXXX after Cancelation It seems discover credit card had policy to pay recurring charges and they thought it was recurring and still was paying It till XX/XX/XXXX and i was in fight with my life because of XXXX until i called Discove again and disputed the charges after calling XXXX still has the old card on file XXXX on XX/XX/XXXX, they credit me all charges but today i was charged 6 charges on XX/XX/XXXX because XXXX only they can go up to 3 months to credit me and still have the annual account but is not renewing again I really believe XXXX never had the card ending on XXXX, they couldnt cancel It and my daughter and never Received an email from them and she is XXXX helping XXXX patient at XXXX nor I XXXX and we thought it was cancel it. I think it fare to refund my monthly from XX/XX/XXXX to XX/XX/XXXX because it was canceled by calling them XXXX and he never did and we never logged in to both accounts.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One bank allowed {$7000.00} from my account for a check that has no resemblance if my signature .I never wrote the check. They have absolutely no excuse for accepting such an obviously fraudulent check. Even after being so careless, they wouldn't even agree to give me temporary reimbursement till they finish they're over extended investigation. In addition to that they make in virtually impossible to speak to anyone or complain about it, by not giving any serious means of contacting them, for the one number they provide never has anyone picking up the phone, leaving you hanging for hours. I Don't think a bank should handle other peoples money like this, especially when it was completely they're fault. Thank you
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

Comenity bank, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. Community  Bank Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Consumer complaint received 2021-12-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi there. 
So I've been waiting for my XXXX money for over a year now and come to find out someone received my car somehow got all my information and was able to collect my cash each pay period and instantly go to a bank and cash it out. Me and my family have been broke waiting for this card to come while someone out there was spending it this whole time while we suffer. And I can't get bank of America to help refund any of my money nor will they help because to them I'm technically not a customer. Me and my family need this money and I only found out because I got a letter saying my information has been stolen from another company that I use. XXXX XXXX
Consumer complaint received 2018-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with Transunion XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX  XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018through XX/XX/2018. I am requesting that the item be removed because you XXXX  has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Consumer complaint received 2022-07-05
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. (AZ)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$400.00}
Consumer complaint received 2022-07-05
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. (AZ)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$400.00}
Consumer complaint received 2022-03-27
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I XXXX that the inclusion of incorrectly reported XXXX XXXX remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CO)

On XXXX XXXX, XXXX, at XXXX a.m. ( MST ), I was contacted by the company CBE GROUP, a self-reported collection agency regarding a false debt. The company conveys that they are acting in behalf of " XXXX XXXX. '' However, upon contacting XXXX XXXX on XXXX XX/XX/2022, at XXXX p.m. ( MST ), I am informed that there exist no records of a debt in my name owed within any of the utility departments they operate. This information was reported back to CBE GROUP on XXXX XX/XX/2022, at XXXX p.m. ( MST ). Yet, they refuse to verify the accuracy of their claims of a legitimate debt owed with XXXX XXXX. 

In light of their refusal to perform due diligence to ensure the accuracy of such a debt or remove the wrongful information, I am contacting your office for assistance and protection from further financial harm.
Consumer complaint received 2022-03-27
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: AmeriCollect (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Trying to help my mother who is XXXX years old by becoming a POA for her. Bank of America is making vague and unreasonable objection to signed State of California compliant POA with Notary Public stamp and signature.

We can't get them to explain what is exactly needed to establish POA.
Consumer complaint received 2023-10-20
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (IL)

Td bank XXXX  This company approved a credit card with a limit of $ XXXX for furniture at XXXX XXXX . I paid deposit immediately of $ XXXX for custom furniture at the store using the credit card number. I never received a credit card or a bill from this organization. Then one day they called me and told me I had an outstanding balance that was past due. I explained that I had never received a card or a bill from them and I paid the FULL balance immediately upon receiving the phone call. Nonetheless, this organization reported delinquency of less than 7 days to credit bureaus which had negatively impacted my credit. I have called them to no avail. I am requesting this be removed from my credit. I NEVER received a credit card or a bill from this organization. When I received a call from them I paid immedialetly.
Consumer complaint received 2023-11-28
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: DISCOVER BANK (MN)

My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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. (LA)

In Accordance to the Fair Credit Reporting Act, XXXX  account number XXXX. 
XXXX XXXX XXXX XXXXXXXXaccount number XXXX XXXX  XXXX  XXXX account number XXXX XXXX XXXX  XXXX XXXX  Account number XXXX. 
XXXX XXXX XXXX  account number XXXX US District Court 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 states a consumer reporting agency can not furnish an account without my written instructions.