davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

Discover continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Discover has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Discover then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later XXXX XXXX reversed the charges and applied my security deposit of {$300.00} to my bill which I did not instruct them to do. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against XXXX XXXX for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.
Consumer complaint received 2022-01-21
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: TD BANK US HOLDING COMPANY (CT)

This TD BANK NA XXXX Balance : {$3900.00} account is undoubtedly placed as a charged-off account and unknown to me, make sure you tell me the reason why there is a {$3900.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (MI)

I sent a letter to XXXX comenity bank, almost 2 months ago and they have not responded to the letter that I sent. I asked them to verify how they got the information that they are reporting on my credit report. So what they did was try and update it on my credit report as closed XXXX XXXX but listed a payment XX/XX/XXXX XXXX. How can a payment be made on a closed account. Plus if this account is closed and so called listed under bankruptcy how are you all still updating this account. You just updated XX/XX/2021. However, I am still waiting on my letter on how they even got any information to list on my report. I have contacted XXXX Pacer and also the courts. Which they have sent letters that they did not report this to your company. And if you got this from XXXX there records were wrong and they have removed this from there recoreds also. I will attach letters.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

I had a legitimate credit card closure for non payment. Eventually this debt was sold to Midland Credit management. The company then went to my local court district and filed for garnishment of my paycheck. Which was taken until the total amount owed was satisfied. The collection agency mentioned above is still making incorrect and fraudulent updates to my credit report so the alleged debt owed is continuing to accrue interest. Ive reached out to multiple employees and the legal team with no solution. They even told me they were able to take my payment right then over the phone. I do not owe this company anything. This is fraudulent!
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

my son attended XXXX XXXX XXXX in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the XXXX XXXX collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew the loan.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (TX)

NCB MANAGMENT SERVICES ) at ( XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-08-27
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. (FL)

I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was XXXX  that disputed 20 inquires and the confirmation is # XXXX. I explained to TransUnion and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to XXXX then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. Transunion and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/2021 bank of America cashpay government card claims they put the XXXX on my account but i never received the money and on XX/XX/2021 the claim that they put XXXX on my new account but i never got it bc the sent both payments to my old card witch was stolen from me and i had the card closed and got a new card but they didn't send it to the new card they sent it to the old card and need both my payments
Consumer complaint received 2022-01-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF EDXXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
Consumer complaint received 2022-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Never XXXX XXXX. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
Consumer complaint received 2022-01-21
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA IS CHARGING ONGOING FEE 'S AND LATE CHARGES AND WILL NOT WORK WITH ME FOR FINANCIAL ASSISTANCE. I HAVE BEEN SICK SINCE XX/XX/2021 AND I HAVE CALLED TO STOP THE BLEEDING. THEY ARE CHARGING ME AN ABSURD AMOUNT OF OVER {$220.00} A MONTH. I HAVE CALLED AND CALLED AND THEY REFUSE TO HELP ME IN COLLECTION, MOREOVER THEY ARE DOUBLE CHARGING ME ON ALL OF THESE FEES. THE ACCOUNT IS 6 MONTHS PAST DUE. THEY RESET THE ACCOUNT TO REFLECT IT ; S 2 MONTHS OLD.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC (CA)

I had a late payment in my Credit Report due banking error in my bill pay, I called the lender to explain them and they requested proof. BMW had told me that if I could get a letter from the bill payment company detailing their error, BMW would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The account involved is the following : Account number : XXXX
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

Told me I had one account in legal for {$500.00} and another account with them for {$1200.00}. Would not accept payment plan less than {$500.00} per month. Stated that only the {$500.00} was priority that if I paid that they would transfer the {$1200.00} out of legal ( where I could get a better payment plan ). I paid the {$500.00} and they refused to transfer the {$1200.00} out of legal and refused my offer to pay off the debt via a payment plan I could afford ( I even offered automatic payment ). They got my {$500.00} by lying to me about the {$1200.00}.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (PA)

Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

I have an account with New York & Company/ Comenity Bank . I was on a payment plan from XXXX. I wasn't properly notified by via mail or email that my normal payments would resume. When I spoke with the customer service representative she informed me that I wasn't eligible for another payment plan to keep my account active and current. I keep getting calls from private numbers from them, rude customer service representatives when I speak with them. I called on XX/XX/XXXX and was questioning charges on my account that I didn't make. XXXX representative did in fact confirm that my last physical charge I made was on XX/XX/XXXX. When the current billing statement for bill due date on XX/XX/XXXX says : Purchases prior to : XX/XX/XXXX {$390.00} XXXX 25 % XXXX XXXX {$8.00}. Purchases prior to : XX/XX/XXXX {$46.00} XXXX 25 % XXXX XXXX {$1.00}. Purchases 25.9900 % {$79.00} with no date. I was referred back to customer support who I initially contacted stated that they do not have the ability to look that far back on my account to explain what said purchases for that amount was actually made for me to pay a total of {$550.00} with a credit limit of {$450.00}. Once I was making timely payments during the pandemic, I didn't see a significant change in my balance dropping. I did let the customer service rep know that I will not be making any payments on this account due to incorrect reporting of charges when it was confirmed that the last use for a purchase on this card was on XX/XX/XXXX for {$15.00}. So, where did these hundreds of dollars come from. When I get an explanation of those said charges I will be more than happy to make a payment. I will not continue to allow this corporation to put fraudulent charges on my account when I didn't make them. I haven't used this card in 2 years!
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a car pre-approved loan with Capital One. I purchased the car in XXXX XXXX XXXX. Capital one gladly financed this car at XXXX percent for 72 months. The finance amount is {$17000.00} and the amount financed was {$26000.00} the total payment was {$43000.00}. I put {$10000.00} down on this car. 

I currently have three credit cards with Capital One. A business car in the amount of XXXX. I have XXXX personal credit cards equaling the amount of {$700.00}. 

Capital One asked for a large amount down to show my vested interest in the vehicle. On my credit report with XXXX, XXXX, and XXXX it does not show the amount of the car is {$43000.00}. 

It is my firm belief, Capital One is conducting unfair lending practices. If I have creditworthiness for purchasing a vehicle. I should have the same type of creditworthiness as a personal guarantor for my business. 

I have called them on several occasions to ask why is Capital One not working together to give me the best deal on my Credit card. I asked them to lower the interest rate on the car. Yet, Capital One refuses to give me an answer from their call service division. 

My business is worth XXXX with collateral. However, when submitting the paperwork Capital one does not take any information into consideration. I would like for them to give a written answer to their practices. I have not missed any payments on my Capital One Spark Card. In some months I have made three payments. 

I have called Capital One to request the reason for their decision to not afford my business credit card a higher credit rating. XXXX is the latest call made to Capital One Business Credit card. 

I have equally requested for Capital One to report the correct address on my business card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 

No explanation given