davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I paid my balance off in full on XX/XX/2023. I received a statement with a interest charge. I called Bank of America to find out why they are charging interest on a {$0.00} balance. The c/s agent said that the card had to have XXXX months of {$0.00} balance to not accrue interest. They are charging interest for a {$0.00} balance -- this sounds like a junk fee.
Consumer complaint received 2018-12-05
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. (IL)

I reported a credit item that i can't identify on my credit report XX/XX/2018 which is a violation of the FCRA 30 days law with Trans Union in regards to file number XXXX reported by a collection agency in the name of XXXX and have not got a response as of today XX/XX/2018 i request a contact of this item or for it to be removed. 

Thank you, for your prompt response.
Consumer complaint received 2018-05-08
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. (SC)

On or about XX/XX/2018 I received a credit report from what was suppose to be responses from dispute processes, instead it illustrates the depths Experian will go to to ignore, evade and continue to violate the law, statue and regulations that cover credit reporting agencies. 

I requested the name, address and phone number as authorized of the third party they stated verified public records, they didnt provide. 

I requested after providing proof of error in the name characterization on my credit report, instead they reported more, no statue or law gives a creditor or credit reporting agencies authorization to change legal names, but Experian seems determined to make up their own laws. No creditor has reported the name XXXX XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX, this is Experian method of justifying erroneous reporting and its illegal. 

The truth is as a matter of fact, their is no public record on XXXX XXXX, their is no account verified for XXXX XXXX with XXXX, yet in order for Experian to continue to report and collect fees for erroneous reporting they just add names to a person credit report.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I scheduled a payment of {$160.00} to come out of my XXXX XXXX XXXX Checking account on XX/XX/XXXX. It cleared from my account on XX/XX/XXXX. Today is XX/XX/XXXX, and this amount was still not deducted as a payment from my credit balance. I have made other payments in the meantime that have gone through and been deducted. This is the only payment that has been affected. I called and submitted a complaint but the company told me that they can see I made the payment. The balance they told me I owe still does not reflect this payment. Their solution was to wait until my next bill to see if it shows up. I am very upset that this was not solved.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aspen National Financial, Inc. (CA)

Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX
Consumer complaint received 2021-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY PULLED MY CREDIT REPORT FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES AND ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

I HAVE ALSO SENT A LETTER TO TRANSUNION ON XX/XX/XXXX REGARDING THE UNAUTHORIZED INQUIRIES. I HAVE NOT RECEIVED A RESPONSE YET. I HAVE ALSO MADE MULTIPLE CALLS TO THEM BUT THEY CLAIM THEY HAVE NOT RECEIVED ANY OF MY LETTERS. 


HERE ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've sent numerous letters to XXXX  and TransUnion about the collection that is still shown on my report. XXXX  removed on their end but TransUnion and XXXX  our still showing this inaccurate information on my credit reports and it's taking a huge effect on my credit score. I have not gotten any response from the bureaus on behalf of the item. I want this removed ASAP as which they can not provide any information about this debt bearing my signature.
Consumer complaint received 2021-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX

Capital One 
XXXX XXXX XXXX XXXX XXXX, Utah XXXX  
XX/XX/XXXX

ACCOUNTS NUMBERS:XX/XX/XXXX, XX/XX/XXXX


MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED,
THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE
PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS
COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA). PLEASE UNDERSTAND
THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM
CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO,
PLEASE DON'T TRY TO SAY THE (FCRA) DOES NOT APPLY TO YOU BECAUSE YOU ARE
NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY
PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES
IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY
DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR
INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT
WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE (F) OF THE LAST SENTENCE OF
THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF
COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD
INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH
DEBTS. FOR THE PURPOSE OF SECTION 16G2F(6) OF THIS TITLE, SUCH TERM ALSO
INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE
OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE
ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE
THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT,
WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE
1681A(2)(B), 15 U.S. CODE 1681B(A)(2), 15 U.S. CODE 1681(A)(2), 15 USC 1692J(A), AND 15
USC 1681E(B).
Consumer complaint received 2022-11-03
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. (AL)

I recently check my credit report and found an account in collections that has severely damaged my credit score. I dont own this account nor have any knowledge of this account. According to the FCRA I have the right to dispute and account thats not accurate or that dont belong to me. I tried to dispute this account but the only thing I got back was verified. I didnt receive any paperwork stating that this was my account or any prof that this was my account. I want this matter investigated and deleted from my credit profile.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I called Transunion to lift my security freeze. While doing so the representative who was not that proficient in talking English proceeded to think that I wanted to sign up for some service that they offered. After quizzing me intensely about my identity he asked for my credit card to verify my i.d . Only later did I find out that they had used that credit card to charge me for a monthly service that I did not ask for or need. I have proceeded to contact them to cancel my subscription ( on XX/XX/XXXX ) In the meantime they are charging me for the month that I asked for the unfreeze of my credit ( XXXX ) and the next month ( XXXX ) which hasn't started yet. I would like to get reimbursed for the money that they have collected without my consent.
Consumer complaint received 2022-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

Yes : I will call Navient again, but right now Federal Student Loans are on a pause. I began the process of beginning repayment since they were to have begun again at XXXX 's end and I'm being told that I'd have to specifically request forebearance and it would need be approved, which seems unfair ; I have another servicer who automatically implemented the executive order, but Navient has been really aggressive. I'm sure I'm not the only debtor experiencing this and have contacted my representative. I'm happy to provide more details, but thus seems really unfair under the circumstances.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP (GA)

Received a " Warning of Suit '' letter via US Mail in early to XXXX for HOA Assessments, however, I disputed the information within 30 days of receiving the notice by sending a debt validation letter via US mail on XX/XX/XXXX. The company failed to validate the debt. I've sent them another request via certified mail. Despite their failure to respond to my request to validate the debt, they still have not stopped collection activity.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

My mother, XXXX XXXX, received a letter from National Credit Systems on behalf of XXXX XXXXXXXX XXXX in XXXX, NC on XX/XX/2018 about a balance of {$2100.00}. Eventually, the balance was reported as a collection to both myself & my mother 's credit report. The issue with this is that neither my mom or I had ever stayed at XXXX XXXXXXXX. My brother/her son, XXXX XXXX stayed at the apartment. I have never received any correspondence from National Credit Systems about this matter, just my mother. On yesterday, she received an itemized invoice, filled with frivolous charges, including damages to the room & that the keys weren't turned in. He no longer lives at XXXX  XXXX & he made sure everything was taken care of. He was the one financially responsible for this apartment, but yet isn't suffering any type of consequences. My mom & I sent NCS both a " Cease & Desist '' letter, as well as a letter to explain the situation, yet they are still reaching out to us.
Consumer complaint received 2023-03-26
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. (NY)

I am submitting this because XXXXXXXX XXXX XXXX  received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX and XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXXXXXX XXXX 
Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
My recent XXXX, Experian, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 
Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXXXXXX XXXX XXXX 
However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, Experian, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXXXXXX XXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount in the billing error notice may have increased since the date of the notice but does not change the fact that my account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed.
Consumer complaint received 2022-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (WA)

My original monthly payment was {$420.00}. I made a lump sum payment toward the principle on this loan in the amount {$8300.00} on XX/XX/2018. I requested for the loan payments to be Re-Amortoized and this was done on XX/XX/2018. The payment due date was changed to {$150.00}. Sofi did the calculations for this loan as the lender. I was charged the {$420.00}. I called regarding this and they refunded this amount and started charging the {$150.00}. Sofi is now stating that I owe them a lump sum payment of {$810.00} on XX/XX/XXXX. They are trying to say that the amount they refunded me was not included in their calculations after the re-amortization and that I still owe that and the interest rate attached there to. 
Obviously, at the time they refunded, they did not state I owed that nor did they state it would accrue and recreate this lump sum amount. Loan companies do not just refund payments if it does not believe those payments were due. If the Sofi professional made a mistake in the calculations, that mistake should be construed to Sofi as the drafter. It is not my fault they made a mistake in their calculations.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

I settled the medical debt with a hospital and they said it was done. Now about 4 years later I am getting the same amount from a debt collector trying to collect. Now after 4 years they have put this on my credit report.This debt was settled already.
Consumer complaint received 2022-07-23
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. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies
Consumer complaint received 2022-11-03
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. (MD)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery purchased an old debt from XXXX XXXX XXXX XXXX which I believe is a XXXXXXXX XXXX card. I contacted them about the validity of the account amount and dates which I believe to be incorrect and recieved no proof in return. They began reporting delinquancy on my credit report and changing the year of the account open date to more recent dates in order for it to remain on my credit report. I disputed with the credit reports and the only resolution that came from it is the account now states dispute resolved, cunsumer disagrees. Not only are they reporting wrong information damaging my credit but they call multiple times daily, at odd hours, from different numbers, sometimes leaving messages pretending to be legal companies.
Consumer complaint received 2022-03-02
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. (OH)

The company was requested to investigate issues on my consumer report. Said company claimed they investigated the issue, however I was not provided with the proper paperwork to confirm the issues were indeed investigated. After receiving a letter claiming the information was investigated and accurate, they later removed some of the inaccurate information which they have been falsely reporting on my consumer report for a year.
Consumer complaint received 2022-03-30
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (LA)

Someone opened a bank account in my name and withdrew XXXX dollars The bank name is Citi Bank the Routing Number is XXXX and the Account number is XXXX I'm not sure how they done it unless they have a ID or drivers license in my name i tried to call the bank but could not access the account it is Fraud!!!
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Reported an unauthorized XXXX charge for {$1200.00} with Chase end of XXXX, denied claim XX/XX/15 because it was shown it was accessed through my phone, but personally never authorized. Couldn't do a reversal.