davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MD)

Received notice from Harris and Harris dated XX/XX/2023 regarding a non valid debt from the Washington, DC XXXX XXXX XXXX. The notice from Harris and Harris did not include debt collection rights including language that states : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid ; If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt ; and If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information. 

In addition, this debt is not a valid debt since Washington DC has no legal authority to collect on automatic traffic enforcement fines from non-residents because there is no reciprocity agreement as required by law. This has been confirmed by the Mayor of Washington DC and has been reported in the news. A letter was sent to Harris and Harris on XX/XX/XXXX informing them of this and to stop contacting me, but they have attempted to contact me by phone at my work 7 times after they received the letter. I have all the voice messages and logs of the phone calls.
Consumer complaint received 2022-02-17
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. (TX)

On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match.

I have attached documentation of the information. You will see that it differs.
Consumer complaint received 2022-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX went into forebarence due to COVID constraints with Bank of America and was levied a hefty {$4300.00} COVID Interest fee. Now trying to get back on my feet after being their customer since XXXX, i am not being granted a waiver so u can cash out refi with it all going to interest.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (AZ)

I making a complaint about American Express I was denied credit even though I gave them a security with my SIGNATURE and SSN giving them something of value for them to make money off of. According to the 12 CFR PART 1002 equal credit opportunity regulation, B being discriminated against and being denied line of credit. 12 CFR 1002.7 rose concerning extension of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. Also sent a letter referring to the prospectives indenture agreement that they have with the trustee on the securities exchange commission using their words stating that a XXXX score is determined why I got denied but the prospectus states it should not determine someones credit worthiness of receiving a line of credit because its inaccurate. Ive sent the companies letters notarized, telling them that its against the law, and I know my rights as an investor. Theyre making money off of my security/receivable and turn around and tell me Im denied to get a credit card went on the prospectus it shows how the security is being moved according to the pulling and servicing agreement that they have on file. Im making a complaint, but Im also going to submit a complaint to the securities exchange and the IRS for securities fraud. I gave them a Security, which is an eligible receivable. There is no reason for me to have been denied a credit card. I havent heard anything from the company so now I will get a certified forensics auditor to show how much theyve been selling my security on the XXXXXXXX XXXX XXXX XXXX Which is states that they would not sell on the secondary market, being a MORTGAGE BACKED SECURITY after I signed the application.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

XXXX XXXX XXXX, XXXX has obviously purchased several old credit card debits I owed from years ago and are using the law firm Blitt and Gaines , P.C . ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went  straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.
Consumer complaint received 2020-07-27
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-08
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: CITIBANK, N.A. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, BEST BUY/CBNA, is reporting late as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (WI)

I have an account with US bank. I have personal called a few times within the last 3 months and everytime I called every representative would say my credit card account is closed. I recently tried to get an auto and I could not get approved due to this being on my credit report as closed by consumer. After calling multiples times and talking to more than a handful of people, they said my account was closed off wrong and no one could access or help me pay it off for 3 business days. 
I waited and called back, by then someone said I only owe {$180.00} I questioned it due to my credit report stating I owe {$420.00}. After being transferred to 2 different representatives, the last lady said I owed {$610.00}. I was highly confused and questioned her. She said the late charges are {$420.00} and the principal is {$180.00}. I do not believe my credit report would only be recognizing the late charges and nothing with principal. 
I have paid in full due to my credit already being ruined by this but I am highly upset and believe this needs to be looked into. 

I do not believe how much in fees they charged before " closing '' it out wrong. I can say with the most honestest that I will not do my future business with them. I was very young at the time of that credit card and not sure how everything fully worked. I also do not believe they tried to contact me for the funds. I also have a savings and checking account with them, they could have easily withdrawn the funds and helped my credit.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have repeatedly asked for validation that this debt is mine and the company does not provide it but keeps calling me. I have disputed the debt and asked for them to stop calling me because I am not paying this debt because it is not mine.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have cooperated with Capital One every step of the way in filing my dispute, and they mishandled my case in a negligent way which I am now told has cost me the opportunity to even have my case reviewed. I filed a dispute for a transaction. Capital One gave me an extension on the deadline so I could revise a document at their request, but after I submitted the documents they changed their mind and said the extension they granted me wasn't valid. Their supervisor and I listened to a recording of the call when they granted me the extension and it is clear their agent made a mistake in telling me I could have an extension. The supervisor acknowledged that. However, they are not taking responsibility for their mistake and are giving me no options to even have my case reviewed. Also, Capital One insists they sent me a copy of the merchant 's documentation before the deadline. However, my account has paperless documents and I can see all documents they submitted electronically in my online Capital One account. The documentation they are saying was provided is simply not there ... .that 's just a fact. So, this is a second error Capital One made for which they are refusing to take responsibility. I have spoken with multiple dispute department supervisors there who acknowledge the mistakes, but they offer no resolution to correct the situation. Their supervisors refuse to allow me to speak to the manager above them or to provide any other route to a reasonable resolution. I find this unacceptable.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

I have have attempted to repair my credit score for the last 3 years regarding a paid collections. I called XXXX in regards to my cell phone did not work properly in late XX/XX/XXXX. I was advised to pay extra on my bill to see if the system would repopulate somehow for my service to work. That did not work and so I changed providers in early XX/XX/XXXX. I paid the early termination fee and then in XX/XX/XXXX, I contacted XXXX in order to paid was turned out to be termination fees that I had gone to collections. The charges were over 200 dollars and I had paid another XXXX dollars to " satisfy '' the account. After the fees of XXXX dollars was paid, the derogatory mark still has been reporting to the three credit agencies. I can contacted XXXX, XX/XX/XXXX, to only have their representative tell me " it will only be on there 7 years '' as if this is not a big issue.I have had to pay more on interest rates over the last 3 years, due to having to explain each time why the collection, I.C system, still should on my report. I have reached out to I.C systems and was told that only XXXX can remove the report by simply contacting to do such. I have contacted XXXX, as recently as XX/XX/XXXX ( XXXX XXXX with 52 minute call duration. 16 mins spent on hold ) -XX/XX/XXXX ( XXXX XXXX with a 42 minute call duration on the first attempt was hung up on ). I will seek damages since my credit score has not been seen less than adequate due to this.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (NM)

This debt is for an apartment that upon moving into the unit there were plumbing issues, and the apartment was not up to code. The unit was being paid for by XXXX XXXX as I am a veteran. Upon learning of the living conditions my case manager with XXXX XXXX advised me to speak with the apartment manager and get the issues with plumbing resolved or I was entitled to move out free of penalties or any kind of damages to my rental history. Spoke with the apartment manager and she agreed to allow me to move out. I only lived in the apartment for a matter of less than 10 days and all the time I lived there was paid for with the veteran rental assistance program with XXXX industries who guaranteed 100 % of the rent while in the program. No damages were left to the property, fulfilled agreement with apartment manager. Now this is affecting my credit and rental history and it is completely unacceptable. If this is not removed from my credit, I will be seeking legal action against all involved parties. No formal eviction process was filed, and no financial responsibility whatsoever from the court systems were assessed at anytime.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I have no knowledge of the account thats being reported on my credit report.I didnt sign my signature on any documents relating to this account.It shows the account was opened XXXX XXXX on my credit report with a collection balance of $ XXXX my knowledge I was currently working on that day and I didnt give any one my consent to open that account.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America checking account was drained by someone across the country. I called and filed a claim the same day. I was told they have 60 days to resolve the claim and they would issue a temporary credit to my account within ten business days. XX/XX/XXXX On XXXX I called to check on my claim and was told the funds would be issued no later that XXXX. On XXXX I called back and was informed the 10 day rule only applies to claims under a certain amount and my claim was over it. They said they filed and expedite return On XXXX I received a letter in the mail from the bank that a temporary credit would be issued within 2 business days Letter dated XXXX. I On XX/XX/XXXX I called again the representative Wasnt sure why they hadn't been deposited and filed another expedite return for me, and said I would here from someone within 3 days. I also filed a complaint. I never heard back. XX/XX/XXXX I called and they again said theyd put in another request. and some one would call with in 3 days. On XX/XX/XXXX I spoke with another representative who told me I would hear from someone within 48 hrs. On XX/XX/XXXX I called again I was told there is no time frame on missing claims deposits and the other reps had given me miss information. XXXX the supervisor of the Tennessee branch informed me that his branch has been there for the longest and some of the other branches hadnt been properly trained. They were giving out old information and that they would contact me in the order that it was received. With no time frame. I keep going in circles being told different things and getting no help. Im behind on my mortgage and bills and they now say theres no time frame on when I might get my money back.. Im at my wits end. Please help
Consumer complaint received 2022-02-17
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. (TN)

I have not yet received a response to my dispute. The company closed the dispute and stated they would resolve this by contacting the creditor. I have not received any updates.
Consumer complaint received 2022-02-17
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: CAINE & WEINER COMPANY, INC. (NY)

This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.
Consumer complaint received 2022-02-17
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)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (AZ)

In accordance with the fair credit reporting act XXXX  account # # # # 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution.

Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or.

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times is inaccurate.
Consumer complaint received 2022-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I submitted a request to have my address and name updated. I also sent a copy of my identification and social security card enclosed with the letter. Instead of updating my file to the correct spelling of my name and deleting the ones they have, and updating my address to current. They sent me a letter that I have enclosed. I sent my letter asking them to update my information. And they sent a stall letter. I did not hire a credit repair company or any other third party company to reach out to them. I did this myself. I expect this issue to be resolved immediately.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, XXXX, TransUnion, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items from my credit report.