davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report. 

I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt
Consumer complaint received 2022-03-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX I received an offer from Bank of America to earn {$10.00} bonus if I used the Mobile Banking App to pay a BofA Credit Card bill by XX/XX/XXXX. 
I called BofA and asked if I could pay the bill before XX/XX/XXXX and have the payment post past that date. I was assured I could do this. I then proceeded to process the bill in the BofA account. 
The {$10.00} credit didn't post for several weeks, and I called BofA numerous times, spoke with several people, XXXX, XXXX, XXXX, XXXX and many others. Each and every representative I spoke with assured me that the {$10.00} will be issued, it just " takes time ''. I spent approximately 8 hours of phone time trying to get a {$10.00} issue resolved. 
After several months I contacted BofA by mail and received a reply that the {$10.00} will not be issued since they claim I never activated the account. This is a lie. I contacted XXXX XXXX legal firm to intervene in my behalf. 
BofA retaliated by placing a " charge off '' on my credit report, thereby severely decreasing my nearly perfect credit score of XXXX. 
I cancelled the card on XX/XX/XXXX, and paid off the balance. I held back the {$10.00}, plus {$25.00} for the time I had spent on the phone trying to get this issue resolved. 
I am asking BofA to zero out my account and remove the " charge off '' from credit reporting agencies.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2018 I sent Equifax a certified letter disputing a late payment reported in XX/XX/2018 on an account with XXXX XXXX XXXX. The certified letter was delivered on XX/XX/2018 ( delivery confirmation receipt attached ). In that letter I stated this was a formal dispute & requested validation, made pursuant to the Fair Debit Collection Practices Act & the Fair Credit Reporting Act, within 30 days of the receipt of the certified letter. 31 days after the date of delivery ( XX/XX/18 ), I obtained another copy of my credit report to ensure Equifax had added a notice of dispute on the account, which they had NOT. Equifax is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and by not placing the disclosure within the REQUIRED 30-day period. I have sent Equifax a follow up letter stating the companys violation of federal law, by not properly marking the XXXX XXXX XXXX account with a proper notice of dispute within the required timeframe & that they now must remove the item from my credit file. FCRA 623 ( a ) ( 3 ) - Responsibilities of consumer reporting agencies of information [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (VA)

NFCU denied my application for a business credit card after 2 months in review for 2 reasons : credit score below cut off and delinquent credit history. Id be fine with these reasons if they had even the smallest connection to reality, but these are totally false! My credit report is flawless and mentions no delinquent payments, just like my credit score which is close to XXXX points. I reached out multiple times to the credit union in-branch , over the phone and through in-app messaging asking for an explanation. NFCU provided no explanation whatsoever about what the true denial reasons are, provided no copy of the credit report which they used as a basis for their decision and made zero efforts to resolve my concern. NFCUs incompetence in this matter is frightening because it instills deep distrust in their financial organization.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (DE)

Sofi emailed me on XXXX XXXX, 2024, that my account had been temporarily restricted. XXXX also left a voice mail on the same day, requesting a call. Sofi then emailed me on XXXX XXXX, 2024, that " the temporary restriction on your SoFi bank account has been lifted. All functionality has been restored to your account. '' However, when logging in to Sofi, I still see my savings and checking accounts frozen. I have {$150000.00}. in checking and {$100000.00} in savings, which I can not access. I called Sofi twice ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue but they told me that their security team was reviewing without giving me a timeline on resolving it.
Consumer complaint received 2022-07-25
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 say it is accurate but it is not they have no proof that i signed any paperwork with them i never signed no paperwork i never talked to them i need accurate proof that i own this account if not please remove this account
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I paid off the stated balances on their website for my three credit cards with Capital One. The due date for payment was XX/XX/XXXX. On XX/XX/XXXX, I was charged additional interest on all three accounts. Specifically, I paid {$2800.00} on XX/XX/XXXX and was charged {$37.00} on XX/XX/XXXX. I paid {$3400.00} on XX/XX/XXXX and was charged {$57.00} on XX/XX/XXXX. I paid {$1300.00} on XX/XX/XXXX and was charged {$21.00} on XX/XX/XXXX. I called on XX/XX/XXXX to customer service to ask why I was charged interest on a balance already paid and got some lame explanation which basically amounted to " that's the way they do things here ''. I asked to speak to a manager who basically said it was my fault for not calling them for a pay off so they could calculate the remaining interest. I asked her if that instruction was on the website and she said " no ''. I asked her if there was instruction on the statement and she said : " probably on the back '' then I informed her I could not know that because I do not get paper statements. I asked her if she thought it was fair to charge interest on something you already paid off and she said " it's our policy '' and when I asked her why the website does not reflect to the XXXX what is owed [ including interest ] in the " current balance '' box she said " that is something we are trying to correct ''. Please help! I have paid so much money to be debt free and now they do this!
Consumer complaint received 2022-03-11
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. (FL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One refuse to remove a late payment due to there fault. About XX/XX/2017, Florida was face with Hurricane Irma. I was with out power for 10 days in state of emergency after the storm. Once I got power back up and running, I checked my email and settled all my accounts. Capital One failed to send a statement via mail or electronically. I notify them once I saw my statement the following month, which I had received a 30 day late note. I ask them to remove the late payment, I ask them for proof of sending the statement electronically or via regular mail. They refused. An associate stated to me that they are not responsible for mail service.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Deliberate fraud performed by Citibank on a simple checking account. 

Direct deposits, Checks and even cash deposits were delayed precisely 4-5 days before scheduled auto-pay bills such as water/electric/credit card bills The deposits displayed in said available balance were actually on hold. In investing this, I made a counter deposit in cash with a check on the same day as a direct deposit from work was scheduled.

The scam is ... Allowing 2 attempts from any pre-authorized auto pay to fail which incurs {$70.00} in penalties, the third attempt is accepted authough funds have not been release, incurring {$84.00} in penalties The pre authorized payment along with all fees are placed into a strikingly high interest rate overdraft account. 

The result is your checking account appears balanced and the overdraft account doesnt just rake money in. 

Its hidden from paper statements, if enrolled in online statements the account doesnt exist and online it was not displayed as a dept The worst part is how payment delays coincide with autopayments. Which is the only reason I deposited cash, checks along with an instant direct deposit 6 days before my XXXX bill would hit. 

It took two months, cancellation of my overdraft account. Directly instructing the bank to deny any charge that would cause an overdraft so I could manually manage payments.

Credit score went from XXXX to XXXX over 2 months and this was just a personal account. 

That would not be fair to other people as this must be a large scale scam. Arguably 12-20,000 was stolen in a few months. Which I actually paid. 

Most people would be 100 % trapped in debt and nearly cost me one of my businesses. 

A refund, along with withdrawaling/correcting information to credit organizations is required
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Contact bureau via phone on XX/XX/2018, and speak with a very helpful representative name XXXX. He looked up some information that i submitted via fax and certified mail. XXXX started an investigation # XXXX, and was able to remove unauthorized hard inquires. He removed all but two and a 30 day late payment that was listed in error from XXXX XXXX prior to and investigation, so i called back and spoke with another rep XXXX, on XX/XX/XXXX i explained to her the situation, she said she was unable to help as i explained to her the time, date and rep i spoke with just 3 days prior. She said she initiated another dispute # XXXX, which i never received an email notification like i did on the XXXX while speaking with XXXX. Both times calling the reps stated that they were in call centers location outside the USA, and verified items electronically instead of an actual investigation into the disputes i sent in.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

I have on disputed this debt ( 3 ) three times with XXXX via phone dispute and letters stating the debt is NOT MINES and I HAVE NO KNOWLEDGE OF THIS DEBT. However, XXXX said they verified the information as accurate but did not supply who they verified the information with. 

Caine & Weiner placed an collection in the amount of {$190.00} on my XXXX credit report. Prior to checking my credit report, I had no knowledge of the debt. I NEVER received dunning letter or phone calls regarding this debt from Caine & Weiner. Therefore I was not afforded the right to do my due diligence to dispute or pay debt before it was reported on my credit. 

The collection agency ( CAINE & WEINER ) continues to report inaccurate negative tradeline on my credit report. I decided to give Caine & Weiner the opportunity to do the right thing and obey federal laws and provide me with concrete proof I owe this debt before taking legal action. 

As an FINAL WARNING before I invoke my right to legal counsel, on XX/XX/2018 another request for the debt to be validated mailed certified to Caine & Weiner ( see attached debt validation letter ) Caine & Weiner has NOT responded to my request or provided any PROOF that I owe this debt. They also have NOT deleted the negative remark from my credit file. 

By reporting negative tradeline on my credit report has defamed my credit history and Caine & Weiner have violated Texas laws as well as federal laws regarding Fair Debt Credit Reporting. 

Prove it or REMOVE it!! As they were so quick to put this on my credit report is how I want them to move to remove it from my credit file. Quick, fast and in a hurry!!
Consumer complaint received 2018-09-17
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. (SC)

Sent the company several letters to update my personal information, as well as to dispute fraudulent accounts. The company did block some of the accounts i requested but not all, and allowed a creditor to run my info without consent. I sent in certified mail, notarized, with a FTC affidavit.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-03-11
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: CORELOGIC INC (NY)

I noticed unauthorized inquiries on my report. 

XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-11
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. (FL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I bought a washer and dryer on or about XXXX XXXX, XXXX from Lowes Home Improvement Store in XXXX Texas for around {$930.00}. ( I am looking for the original receipt ). I was told at the time of purchase that I could pay the balance off over time and I would n't owe any additional charges as long as I paid the balance off in full within one year. I began making monthly payments on the loan. Now I am getting close to having the balance paid off and so I called the company on XXXX XXXX, XXXX to find out where I stand on the payments. From talking to the loan officer on the phone, I found out that this is a credit card that is handled by a different company. When I asked about my payoff amount, it was higher than I expected ( I had calculated the difference between the original purchase price less the payments I had made ) and I inquired why. I was told that I had been charged " late fees '' because some of my monthly payments were not on time. And maybe some of those late fees also had incurred interest charges? In any event, the loan officer credited back {$83.00} to my account, representing all of the late fees, although I am not sure that all charges have been credited back to my account. It is clear to me that if I had not called to inquire then I would have had to pay these late fees. And then, how can they say that I owe a late fee when I am not subject to interest? I clearly got the impression when I took out the credit line that as long as I paid the full balance within one year then that would be all that I would owe, regardless of any monthly payments.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK (MO)

Commerce bank reported me 30 days late XX/XX/XXXX I have statements from the bank showing I was current as of XX/XX/XXXX they did the same exact thing to me last year the statement shows I paid but then it was never posted to my bank account if you have a current statement from the bank saying youre at to date how can they reported 30 days late later they have a vendetta with me after closing my checking account last year and they never report my billing statement correctly so they hit me for 230 days late in the last year and its incorrect And hurting my credit score on purpose
Consumer complaint received 2023-03-19
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. (CT)

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. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : 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.