davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WY)

I have opened an account just one week at the HSBC bank, I sold a vehicle and deposited the amount in the new account, 3 hours after receiving the amount they simply canceled the account, did not explain a reason and simply did not give me any dates about the return of my money. I was counting on the amount to pay my debts and now I was in a horrible situation. 
I have calling for branch, the customer service and anyone give me any info about.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received an email from Bank of America that a new credit card was approved and mailed to my address. Also received an email from the United States XXXX XXXX that someone had submitted a change of address for me. I have contacted both places and reported this as fraudulent. I was advised by the bank to file a report here.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

PayPal let hackers steal my money. I had an issue transferring money to my bank account. I had just gotten laid off with no unemployment comp. In the pandemic with XXXX kids. Someone sent me XXXX dollars via PayPal couldn't get it to transfer, so I then tried to contact pay pal. Could only find email. Very upset needing someone to talk to at PayPal. I searched PayPal phone support.. and up came a phone number. I proceeded to call. The guy asked me to download an app called any desk. He then took the money from my PayPal account and bought a gift card to XXXX play for XXXX dollar. Him knowing there policy that nothing would be done about it AT ALL. At the time I sent PayPal the phone number the guys XXXX XXXX  info screenshog of date and time called. Proof the system denied my transfer 3 times. Nothing done
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise
Consumer complaint received 2022-08-27
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: ENCORE CAPITAL GROUP INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Midland Credit Management has volated my rights. Under 15 USC section 1681 section 602 states that I have the right to privacy.

15 USC Section 1681, section 604A, section 2, states that a Consumer Reporting Agency can not furnish an account without written instructiions.

15 USC Section 1666B states that a creitor may nog treat a payment on a credit card account under an open end consumer credit plan as latre for any purpose.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (PA)

I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. XXXX XXXX XXXX  calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2019-07-12
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Vinci Law Office, LLC (CO)

On or about XX/XX/XXXXXXXX I was improperly served with a legal complaint which was written up on XX/XX/XXXX according to the documentation the law firm submitted to the courts. The documents included in support of this alleged debt, that I in no way admit to owing, state that the account went into delinquency on either XX/XX/XXXX or XX/XX/XXXX either of which dates are sufficient to prove that this legal action was time barred by Colorado 's six-year statute of limitations. 

On XX/XX/XXXX I letter sent by certified mail that served as legal notice pursuant to the Fair Debt Collections Practices Act, 15 U.S.C. 1692 and the Colorado Consumer Protection Act ( CCPA ), 6- 1XXXX101 to -115 C.R.S., 1969, for the company and law-firm to to cease and desist their legal complaint and all other collection activities associated with the debt alleged in said legal complaint. 

On XX/XX/XXXX I returned a call to XXXX XXXX XXXX # XXXX and he stated that in conference with his client that he had decided to offer to dismiss the time-barred lawsuit if I in turn would release his client and himself from their liability under the FDCPA and CCP. 

By attempting to negotiate with me and using the threat of a time-barred lawsuit which is already in motion, his actions have been sufficient to trigger an additional cause of action under the FDCPA. While simultaneously voiding any right they have to claim the protection of the bona fide error defense due to their refusal to dismiss the time-barred suit after receiving notice.
Consumer complaint received 2019-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (GA)

I have two major concerns about XXXX XXXX XXXX. When I attended XXXX University, the financial aid office and XXXX XXXX misrepresented that XXXX XXXX is a government loan, similar to your typical federal loan. After I graduated and during the repayment period, I learned that XXXX XXXX XXXX is a private loan and lacked the similar protection or assistance federal loan provides. Thousands of students take loans out from this institution, and based on my personal experience along with other fellow XXXX classmates, we believe we were mislead by the institution. 

Secondly, XXXX XXXX XXXX or HESSA  wants all the borrowers to sign or agree to a privacy terms and conditions, which is prima facie unconcionable. The terms basically states that the borrowers must agree to these terms or else the borrower can not make the payments needed to XXXX XXXX. The terms dictates that the borrower basically has no rights to any remedies and warranties, and borrower agrees that XXXX XXXX   and  HESSA will not be liable for anything, whether direct, indirect, consequential, etc. 

This is unacceptable and abusive of power and authority. I get this gut feeling that these terms and conditions and how XXXX XXXX is forcing current borrowers to agree to this is illegal.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

On XX/XX/2020, I received an alert from XXXX  that I.C. Systems Inc reported a XXXX account. They never sent me anything in writing to allow me to receive proof of debt owed or to dispute it.
Consumer complaint received 2018-09-01
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. (FL)

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from experian, XXXX, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.
Consumer complaint received 2018-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Capitol One there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Consumer complaint received 2019-07-12
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)

XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : - XXXX XXXX XXXX - 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 also states consumer reporting agency can not furnish an account with my written concern.

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 2022-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MD)

I pulled my credit and noticed that there were 4 different accounts that I'm not aware of. My accounts were hacked and my information was used to open these accounts. I have been trying to dispute for a while now and now its on my credit. This is hindering me from moving forward in life and decreased my credit
Consumer complaint received 2022-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX co XXXX Capital one usa, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.
Consumer complaint received 2022-08-27
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 am including a copy of 15 U.S. Code 1681 ( a ) ( 2 ) as it pertains to a fraudulent account that is still showing up on my Experian credit report. The account in question is XXXX XXXXXXXX XXXX XXXX. I would like to note that this account was removed from both my XXXX and XXXX reports. Also this account is reporting an address of XXXX XXXX XXXX XXXX XXXX XXXXY, CA XXXX, and not only is this reporting a violation of the law that I am attaching ... the bigger problem is that I sent an Investigation request letter to Experian asking that this account be removed should it not be valid. Not only is this account not valid... it is reporting an address that dosent even exist. Which means that Experian didn't do a proper investigation. For these reasons I kindly request that this item is immediately removed from my credit report, and that this false address gets removed from my report as well. A quick XXXX search will prove that this is not a valid address and listing it on my credit report is a violation of my rights.
Consumer complaint received 2020-09-16
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: Tally Technologies (MD)

Tally obtained my credit information through false advertising and I unknowingly entered into a predatory lending loan. 

I signed up for a congruent balance transfer line of credit, not a loan. 

Also initially Tally was not reporting on my credit when I joined. 

I was under the impression my balance with Tally was XXXX XX/XX/XXXX and I was blindsided with a near {$5000.00} balance. 

In 2020 Tally began to report on my credit due to a California ordinance. 

I am requesting Tally to remove its reporting from my credit file as I never authorized the reporting to my credit file. 

I was not forwarned nor received an email or letter about the change. 

XX/XX/2020 ; I informed Tally, my company is purchasing an {$8.00} XXXX dollar commercial building for my company headquarters in which Stellar credit is required. 

A Tally balance is reporting on my credit as of XX/XX/2020 I need it removed immediately.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Hello, Dovenmuehle Mortgage took over my mortgage from XXXX XXXX  XX/XX/2018. Since then they refuse to post my XX/XX/XXXX and XX/XX/XXXX payments I made on a timely basis. They have added late charges and forwarded mitigation paperwork. I have called their customer service every day to get this resolved and they keep saying we will know something in ten days. This has been happening since XX/XX/XXXX. They have my payments and they are showing on line, though they have not taken off late fees and still will not credit my account. I am so discouraged. Where do I turn? 
Thank you.
Consumer complaint received 2020-09-16
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. (GA)

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have a checking account with 5/3 BANK, XXXX Illinois XXXX. My account was briefly overdrawn - this was only able to occur because I opted in to ''overdraft protection '', a service that is offered so as to protect the account holder from being unable to cover charges drawn upon the account. Within mere days of the overdraft I received incessant calls to my smartphone, to my landline, as well as paper letters demanding I cover the overdraft. Sometimes as many as half a dozen calls a day. I had neither given 5/3 Bank my landline telephone number nor granted their representatives permission to contact me by way of this number.