davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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 (TN)

Was alerted through XXXX on XX/XX/23 that there was a hard inquiry to my credit report. Checked and sent that Bank of America had ran a credit check. I have no knowledge, did not provide consent, nor do I do any business with Bank of America. I immediately contacted Bank of America and spoke with XXXX who confirmed that someone filed an application using my stolen information for a XXXX XXXX XXXX. I advised XXXX that it definitely was not me and she went through the steps to dispute it on Bank of America end. I contacted all 3 credit bureaus to start the dispute process to remove the hard inquiry. This is gross negligence on Bank of America side knowing that the XXXX XXXX XXXX is a well known scamming system that steals people 's identity to fraudulently open credit cards.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-06-12
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. (TX)

XXXX ; Experian and XXXX are reporting 90 plus days late on the XXXX account number XXXX. The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Equifax and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2018-06-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I sent credit acceptance a debt validation letter ( letter attached ) asking for debt validation on XX/XX/XXXX. They received the debt validation letter on XX/XX/XXXX. On XX/XX/XXXX credit acceptance hired a repo company to seize my private automobile on my private property. I did not receive any notices in the mail from the repo company giving me rights to dispute the debt they was collecting on. I also did not receive any documents in the mail from credit acceptance saying the repo company was collecting on a debt and could arrive on my private property.Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I requested that they prove that I am indeed the interested party who is contractually obligated to pay this debt. While i was in dispute credit acceptance sent a repo company to seize my private automobile which is a violation and i highlighted on the debt validation letter attached to cease and desist until they provide proof of an alleged claim.They did not provide proof of their claim and I have attached the documents sent on XX/XX/XXXX ( letter attached ) which was after they seized my private automobile while in dispute. They did not send me copies of the original contract i asked for in the letter and did not provide A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract. Also they need to provide proof to the cfpb they are allowed to collect in my state.This company is in violation of FDCPA 805,806,807,808,809.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX. XXXX 2023 my house burned. My insurance company XXXX XXXX XXXX sent me two checks for XXXX and XXXX. I deposited the checks into my banking account with Regions in XXXX, Tennessee on XX/XX/2023. Regions held the checks until they proved the check were good. The checks were deposited into my banking account XX/XX/2023. On XX/XX/2023 regions bank decided to take out my checks putting me a - {$19000.00} in the hole. Today is the fifth day of me being promised it will be fixed and it is not yet. I and XXXX XXXX XXXX agent XXXX XXXX has done everything ask.
Consumer complaint received 2018-02-22
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: AC AutoPay LLC, Denver, CO Branch (CA)

On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC Autopay XXXX XXXX XXXX, XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are reporting 90 plus days late on the XXXX   account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2018-06-16
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. (CA)

There are two erroneous hard inquiries on my TransUnion credit report and the company refused to remove them when I contacted them. 

On XX/XX/2017, I applied for a credit card with XXXX XXXX and authorized an inquiry on my credit report. For some reason, XXXX pulled my report twice in error, one addressed XXXXXXXX XXXX and one XXXX XXXXXXXX XXXX. 

On XX/XX/2017, I applied for a card lease with XXXX XXXX and authorized an inquiry on my report. However, the dealership I was dealing with, XXXX XXXX, also pulled my credit report, without my knowledge and without my authorization. 

As these inquires are made in error / without my authorization, they should be dropped from my report. However, when I spoke with TransUnion on the phone, the representative is adamant that inquiries can not be dropped once made. I found that unacceptable.
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

On XXXX XXXX at XXXX I made a cash payment for my mortgage account in the XXXX, California Branch office personally. 
On XXXX XXXX I received a letter from US Bank that my check has insufficient funds. 
they charged me {$15.00} returned item fee for my cash payment. 
I called them put on hold for hours than I went back to the branch and the manager try to call for other 2 hours with no results. 
It is impossible to solve this problem with phone call or with personal presence. I need help!!!!
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (MI)

Called in XXXX to make a payment and recieved a conformation. In XXXX I received a notice from collection that payment was not received. They did not notify me by mail or phone. In XXXX of 2021 I was asked to verify my phone number, which did not change, and the employee entered it wrong. I was charged late fees and intrest which they refused to correct
Consumer complaint received 2023-08-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI (CO)

I have told the original company XXXX XXXX XXXX the debt was no longer owed, sent prove was discharged with my bankruptcy four years ago. Now they sold the debt off to general revenue XXXX XXXX and added XXXX XXXX more dollars and they are harassing me, my work and my family.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both XXXX and XXXX
Consumer complaint received 2019-10-09
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am unable to check my credit score on things like XXXX XXXX and XXXX XXXX. WHen trying to create account I get a notification that my personal information is incorrect which it shouldnt be be.
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: Experian Information Solutions Inc. (LA)

Im entitled to an accurate an complete credit report I have new evidence to show I never had a late payment from the credit reporting account XXXX XXXX XXXX XXXX XXXX XXXX I also have proof they have been looking into a DUPLICATE account under the same name XXXX which shows close, I DEMAND METHOD OF VALIDATION. as I have contacted the creditor as it is my right & have verified THEY ARE NO LATE PAYMENTS ON MY ACCOUNT ; I Demand a credit investigation be preformed. ( documentation attached. )
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (HI)

XXXX XXXX, XXXX is a collection agency based out of XXXX, Washington. I have received multiple letters from XXXX  whos creditor is PayPal , Inc . The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XX/XX/2019. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used PayPal. I do not have a PayPal account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted XXXX to resolve this matter however, I have not been successful. I respectfully request that an inquiry into XXXX be launched and any collection proceeding against me be stopped immediately.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received an alert call from Citi fraud department on XX/XX/18. I was informed that there was a suspicious activity of {$530.00} on my card at XXXX  store. I informed the representative that I didnt use the card and the card was in my possession physically all the times. My account was closed and my card was replaced immediately. The Citicard pay me back of {$530.00} right away, as it was fraud. However, I was charged the {$530.00} back in XXXX. I called CIticard again, and I was told again the credit would be issued back to my account. No credit had been issued till XXXX and I called Citicard to follow up on XX/XX/XXXX. I spoke to a representative named XXXX, who was extremely rude, he told me How could you claim it as fraud, if you had never lost your card. He judged me as a scammer, and I was truly shocked. Escalating the issue to the supervisor named XXXX, I was told that fraud claim had been denied because I had never lost my card, and the transaction was physically made at the store. He was very proud to say that their cards can never be duplicated nor counterfeit. They insist they have PERFECTLY secured security system, even I was a victim. I did my research, and I was not the first victim of these issues with Citicards. They simply deny to investigate their own security system, and blame the frauds to consumers, so they don't have to take responsibility. From the supervisor named XXXX, I received the address, so I could write a letter to Security operations manager. I sent a certified mail to the manager, who has never replied back to me. It was such a traumatic experience with Citi, the company that I trusted for such a long time.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And They Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a credit card with Bank of America. At first, they wouldn't allow me to use the credit card, and I couldn't get hold of anyone for three days. I then discovered they wanted me to make a purchase from a physical store to activate the card - a detail they had not mentioned beforehand. 

After making a few furniture purchases, they " restricted '' ( locked ) my card. Their app instructed me to call customer service. When I did, the representative told me it had been too long ( a week ) and I needed to visit a physical location to unlock the account. I expressed how busy I was and that it might take me upwards of a month to do this. The representative insisted that I visit a specific location with a financial consultant to verify my identity and unlock the account. 

Surprisingly, 10 days later I received a notification that my auto payment had been removed from my credit card. A few weeks after my initial call with them, I went to their location. I was then informed that they had closed my credit card as of last week and I needed to speak with a collections department about the current debt on my card. They admitted that they were unsure why my card was locked, suggesting it could have been an error. 

This is a 12 months interest-free credit card, and it appears that they are applying questionable tactics. They never reached out to me proactively, making it difficult for consumers to use their card. Worse, they damage your credit by closing your account and sending your bill to collections. 

I have never missed a payment. My credit rating is excellent, and my debt-to-credit ratio is less than 7 %. 

Why was my account closed? Why didn't they try to reach out to me? Why is the verification process so cumbersome, and why is communication lacking clarity?
Consumer complaint received 2022-11-20
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)

I HAVE INFORMED EXPERIAN SEVERAL TIMES THIS XXXX XXXX ACCOUNT LATE PAYMENT IS NOT CORRECT THEY ARE THE ONLY COMPANY REPORTING THIS AS A LATE PAYMENT. XXXX XXXX AND XXXX HAVE FIXED THIS ISSUE AND EXPERIAN HAS NOT REMOVED THIS ISSUE, ON TOP OF THAT IT WAS A PAYMENT FROM XX/XX/2016 WHICH IS OLD AND IS NOT SUPPOSED TO BE STILL REPORTED AS A LATE PAYMENT. THIS IS WHAT I MEAN ABOUT THESE CREDIT REPORTING AGENCIES 90 % OF THE INFORMATION THEY REPORT ON YOUR CREDIT PROFILE IS INACCURATE. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX THESE ACCOUNTS WERE NEVER LATE ON PAYMENTS.
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. (PA)

I am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in my name.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (VA)

*CFPB will send copy of letter to you shortly to atth to this complaint i was sent a letter this month threatening judgement, after XXXX, if i did not call agency and work out debt. 

I depute this debt from Collector and CC Bank now, and i disputed in XXXX. this is false debt. 


CFPB was used then, XXXX as contacting source, between bank and I, to dispute this acct and bank had no interest in reviewing my dispute.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Collection account from Portfolio Recovery Associates is listed as having a balance of {$450.00} on my credit reports. I disputed with them onXX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.