davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: ALLY FINANCIAL INC. (AL)

XX/XX/2022 fraudulent charge of {$70.00} was reported to Ollo. Card was cancelled and replaced. I have not used the card since paying off the balance in full of {$760.00} on XX/XX/2022. I have called the company to attempt to get the incorrect reporting of me being 30 days late on my payment in XXXX corrected, I provided a police report, I have wrote Ollo a letter, I have filed multiple online disputes, and I have filed a previously complaint with CFPB and yet Ollo or Ally still continues to report me as being late on my payment when I owed no payment due to the charges being from a fraudulent charge. The balance to the account has been corrected but late payments are being reported on my credit due to the fraudulent charge of {$70.00} in XXXX. I am requesting that any and all late payments that have been reported by Ollo after XXXX are deleted because it is affecting my credit score.
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

When i signed up for synchrony banks loans i opted in for their loss of employment insurance. 

Then covid happened and america was declared under a state of national emergency and businesses were shut down! I lost my job. 

I spoke with a nasty rude agent at synchrony bank and told them about my job loss due to covid. The female rep at synchrony bank said you just took out these loans and coincidentally lost your job how convenient and refused to honor the loss of employment insurance i paid for! 

I will not pay a dime! They need to honor the insurance i paid for and cover these losses which is protected under federal law due to covid and the insurance i paid for! 

If synchrony bank continues to refuse and continue this financial fraud i will have our family attorney XXXX XXXX file civil suit for the total amount on all 3 loans in addition to financial hardship caused by their fraudulent reporting on my credit report! 

I went from a XXXX credit score to under XXXX This financial scam is fraud and is a felony! 

Remove these charges from my credit report immediately settle this case positively or face civil suit in XXXX XXXX tn!
Consumer complaint received 2015-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

A third party debt collector is contacting me claiming I owe a medical bill. I explained to the debt collector my insurance covered those charges, but the debt collector continues to claim I owe this debt, they have yet to provide me any further proof that I owe this debt.
Consumer complaint received 2020-02-18
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: GUARANTEED RATE INC. (IL)

In the Spring of 2018 I got a mortgage from Guaranteed Rate. I used a preapproval from XXXX. Guaranteed Rate performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and Guaranteed Rate led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK (LA)

I opened a savings account with hancock whitney bank last year in hopes of ordering kennedy halves on a weekly basis ... in which i was given permission to receive 2- 500 boxes a week for collecting ... i thought i had a very good relationship with this branch.. they worked with me appox 6 mos ... recently was told by XXXX XXXX  manager that she would no longer order these for me as i did not have a commercial account ... was very disappointed by this ... so i accepted my loss with this bank and this XXXX XXXX ... .this bank and all surrounding branches now will not accept any coin deposits at all thanks to the XXXX XXXX lady manager and her boss who ever he is? they reported to the other branches to not to do business with me at all ... was told that my account will be terminated ... my letter is in the mail from them stating this ... my biggest question is why stop me from depositing coin into my account? ... .P.S This Account was for my XXXX  year old nephew he is now heart broken.
Consumer complaint received 2019-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..
Consumer complaint received 2019-08-05
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. (NJ)

I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (FL)

I have no idea any Equifax has a dispute open from XXXX. This needs to be resolved please : Confirmation number : XXXX Submitted XX/XX/2021 Under investigation Completed ( estimate ) XX/XX/2021 I also need the employers OTHER AND FLLGS REMOVED AS MY REPORT HAS THE OTHER CORRECT EMPLOYER LISTED
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020, Capital One closed my account because of a " processing error '' from their end. I had to update my income and did so but I assume my income did not meet certain requirements. As a result, my credit score was decreased. I want to emphasize, I was sent a pre-approved application with a 0 % interest balance transfer and accepted it. I had enough money to pay my CC but I wanted to save it in case of emergencies. No one on in the CS department could tell me anything and was told I needed to wait " weeks '' for a letter explaining everything. 

Moreover, my cash reward balance is now {$1.00}, when it was around {$210.00} beforehand. Capital One has literally stolen my reward balance that I worked to achieve by making purchases and paying them back in a timely manner ( never late ). I have never been late on a payment and have actually spread out the payments so the balance is {$0.00} at the end of the 0 % interest. 

To make matters a little more frustrating, Capital One just approved a refinance of my car loan at the end of XXXX.
Consumer complaint received 2021-11-17
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 consumer filing this complaint against Equifax because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Equifax has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX  XXXX Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Equifax written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

Equifax has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to this.
Consumer complaint received 2022-10-12
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-11-17
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: Experian Information Solutions Inc. (CA)

debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by experian, XXXX, XXXX pursutant 15 usc 1692, and 15 usc 1681
Consumer complaint received 2020-02-18
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I submitted a complaint to you ( XXXX ) on XX/XX/19. It was regarding multiple {$35.00} charges that were debited from my account. The Bank of America has a program that allows clients to withdraw more from the ATM at times than they have in their account. Previously, they would charge the customer {$35.00} for every 5 days the funds were not deposited. A class action suit was filed ( I was not part of it ) which somehow stopped the bank from continuing this practice. Now they only charge one {$35.00} fee for the withdrawal. But they have a lot of my money ( multiple {$35.00} fees ) that they have not returned. If it was illegal I should get that money back. Someone from the bank looked at this complaint and got it mixed up with complaints I had filed on a completely different issue. They told you they had already closed this claim but that isn't correct. They have never contacted me re this complaint. They afre two different issues. Please look at this again. Thank you.
Consumer complaint received 2020-02-18
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. (GA)

I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Consumer complaint received 2015-07-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (FL)

I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.
Consumer complaint received 2021-11-17
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. (SC)

I come today to request that the record is corrected due to errors I've seen on my credit report. I am natural person consumer pursuant 16CFR 444.1 ( d ) A natural person who seeks or acquires goods, services, or money for personal, family, or household use. I am asserting my right against the financial institutions and reporting agencies pursuant Regulation V. 12CFR 1016 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. I have not received any disclosures to opt of the sharing of my information. I have reached out to XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXo validate this alleged debt. I filed a FTC report for identity theft attached for more information. XXXX XXXX XXXX XXXXs claiming I owe a debt how if all debt or alleged debt is obligation of the United States pursuant 18USC8 The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 18 USC 8 how can one have a late payment if said law implies certificates of indebtedness is of the United States. The furnishers of this information is in direct violation of the FCRA. Pursuant 15USc 1681 c ( 2 ) a all information in connection to identity must be block within 4 days. I understand it has to be an investigation but understand that the law trumps policy. I request that the rules of the investigated report is followed pursuant 15USC1681 ( a ) e must have sources of interviews of family and friends. Further more pursuant 15USC 1681A ( 2 ) a ( iii ) I must be given a chance to direct the information whether I want the information about a transaction I had to be reported or not ( Gramm-Leach-Bliley Act ). I request all late payments are removed from my report. I request that XXXX XXXX XXXX is deleted due to my medical information being shared. I request the proper notices to opt are mailed monthly TO ME from each furnisher meaning financial institution and credit reporting agency failure to disclose such documents is direct violation of Regulation V. This information is false and misleading to anybody who sees my credit report. Banking is dependent upon the accuracy and fairness to the consumer.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX   balance.
Consumer complaint received 2020-02-18
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)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-02-18
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. (UT)

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.
Consumer complaint received 2021-08-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Contacted Bank OF America in reference to consumer account XXXX. In regards to U.S. Code 1692, U.S. Code 1692f ( 6 ), also FDCPA U.S. Codes 1681n ( b ) also subsections of this code section 805, 806, 807, 808, 809. They are also in violation of FCRA regulation and in violation of HJR 192 of 1933.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OR)

I opened a checking account with Chase in XX/XX/2015. They offered a Freedom credit card. I felt like saying no thank you but they made it seem like id be crazy not to use the rewards program as it would be money in my pocket. I agreed and trusted the process but but but not realizing that the more you spend the more u get back was sooo not true. I used this card for everything and rolled over the rewards to the card hoping the rewards would help but it did not. This account is now closed. I contacted them and they put me on a plan to pay it and I told the guy I could only afford {$50.00} per month. He said he couldn't go below {$90.00}. He set it up and now it has 5 late payments. When I try to pay the {$50.00} I can afford they won't accept it. This card balance is {$4100.00} with {$350.00} per month. Oh and I never requested the credit limit to be increased either. It just happened ... like it was a good thing! And if they would not have done that maybe I could have gotten a grip on the card once I realized the reward program was a way to keep a big balance leading to more intere $ t. Not a reward at all. Thank you.