davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I made 2 purchases with XXXX which they were defective upon delivery or returned per XXXX policy. These were charged and disputed to my Master card under the term of my contract with Bank Of America. I received letters from Bank of America dated XXXX XXXX stating the amounts of {$17.00} and {$35.00} were refunded to my credit card and they were not. I called on XX/XX/2020 and spoke with customer service, XXXX from Bank Of America and she researched my credit card statement and confirmed these two transactions were charge to my Mastercard and were not refunded as Bank of America Letters stated. This is fraudulent business ethics besides breach of contract by Bank Of America.
Consumer complaint received 2022-06-21
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. (MA)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX  Account # XXXX, and Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 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 a account without my written instructions.
Consumer complaint received 2018-11-21
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: Colony Brands, Inc. (MA)

I have been alerted to 2 hard inquiries on my XXXX XXXX Credit Report, I have never had anything to do with either of these companies XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX I contacted XXXX XXXX and was told that I had to prove that these inquiries did not belong to me, by contacting the above companies and get a letter of deletion.. and then they said it's only on your report for 2 years, why bother. I tried to dispute it on the XXXX XXXX site but it's the only part of the report that I couldn't select. It looks like your my last resort ... 

PLEASE HELP!!!
Consumer complaint received 2022-06-21
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. (MA)

In accordance with the Fair Credit Reporting act : XXXX  XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX  Account # XXXX, and Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights 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 a account without my written instructions.
Consumer complaint received 2022-04-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Collections-I, LLC (AZ)

The original debt was with XXXX XXXX. XXXX XXXX had set up a payment plan to pay {$43.00} due XX/XX/18 payment made XX/XX/18. Letter from HCI medical received was dated XX/XX/18. I started receiving calls before the 30 days given to dispute the debt. The times called they were rude and would not disclosed nature of call. I spoke to XXXX on XX/XX/18 and informed her of the repeated calls and rudeness. She apologized and we set up a payment arrangement of {$50.00}. I made another payment on bv XX/XX/18 of {$50.00}. I received another letter from HCI dated XX/XX/18 letting me know my balance remained unpaid and threatened to submit to credit b.c agency after making arrangements. I spoke to XXXX on XX/XX/18 at XXXX XXXX because XXXX was on vacation. She stated that after 45 days I get that letter. I informed her that it was not 45 days and she said sometimes the system does that. Really? I informed her to give XXXX a message. I never got a call. I called XXXX today at XX/XX/18 at XXXX XXXX and the payment arrangements and notes were gone. This is wrong practices and I am complying and now I was told that there is a possibility it's been reported. My consumer rights are being violated and this companies employees are not following protocol.
Consumer complaint received 2022-07-26
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor 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.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I disputed this address several times with TransUnion. This address does not below on my credit report. I never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington, D.C. XXXX and XXXX XXXX XXXX. XXXX, XXXX, CA XXXX. These was my Ex 's and friends address. I never lived there.
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor 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.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent XXXX XXXX XXXX XXXX a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called Transunion and advise them that per 1006.34 ( b ) ( 5 ), XXXX XXXX has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (IL)

I found out that Diversified Consultants, the 3rd debt collector attempting to collect an invalid debt for XXXX, now had the debt because it was reported to XXXX. A notice of the report was given to me by a credit monitoring agency that I utilize. At no time before reporting to the credit agency had I received any communication from Diversified Consultants, including the 30-day dispute notice. The notice was not sent to me until I called Diversified Consultants and notified them that they erroneously reported the debt, which is not a valid debt and has been repeatedly disputed, before sending a 30-day notice. This practice is highly unethical and validates my consumer rights. Additionally, I disputed the initial report to the credit agency which was removed immediately and replaced with another report that notes that it is contested by the consumer.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (FL)

I requested validation from Discover about an alleged debt as part of a complaint Discover started in court. I received correspondence from Discover dated XX/XX/XXXX, stating the alleged account was opened in XX/XX/XXXX. That a credit card was issued on XX/XX/XXXX, Discover also included alleged statements from XXXX XXXX XXXX. 
Additionally, Discover mentioned there is an outstanding judgment and the alleged account has not been sold. 

This does not constitute validation. The documents provided are incomplete and validation is not possible. How can Discover file a claim against a consumer if they do not have a valid alleged debt?
Consumer complaint received 2018-11-21
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully. 

Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan.

We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan. 

We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing. 

We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MO)

I submitted a payment to Lowes/XXXX XXXX, for the payment of {$800.00} dollars, which posted XX/XX/2018. I didn't get notification the check didn't clear the bank as insufficient funds from my credit card company, XXXX XXXX. I was lead to believe the check was cleared for {$800.00} dollars. I spoke to the agent over the phone several time to confirm that everything was fine. The agent submitted the {$800.00} dollar payment to credit bureaus as an OFF CYCLE credit reporting to the credit reporting agencies for payment. This was done three weeks ago. Today isXX/XX/XXXXXX/XX/18, and I've received a 30 day late from Lowes/XXXX XXXX for non payment because Lowes/ XXXX XXXX didn't informed me the payment had been returned. I got a credit alert XX/XX/18 stating that I just received a 30 day late payment from XXXX XXXX. I called them and was told my payment was returned XX/XX/18, which was three weeks from the date I submitted payment. I then spoke to my bank, and was told the check was returned XX/XX/18 for insufficient funds. They took three weeks away from the time I had to to repay that check, and then called it 30 day late and reported it to the credit agencies. They didn't allow me a chance for repayment. I've had this account over two years and have never once been late. Not even one time!!!
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XX/XX/19 received a form letter from Equifax repeating the script that i need to send in additional documents ( drivers license, social security card ) plus lots of personal identification information ( name, current and former addresses, date of birth ) to find out if i have an existing freeze on my Equifax credit account. 

I SHOULD NOT HAVE TO SEND THEM THIS INFORMATION TO FIND OUT IF I HAVE A CREDIT FREEZE IN PLACE. 

I have repeatedly tried to call them to resolve this. I have repeatedly tried to get access via online access. All attempts cause you to enter lots of information and then just end up saying they need more information and i have to mail in my personal information before they will provide any information. 

These is something very wrong in the way Equifax is operating. 

I would appreciate anything your department could do to get me through this obastacle. 
Sending my complaint to Equifax only ends up with the exact same result : a letter saying i need to send in my personal information. Information they most assuredly already have as I have had information there for decades!!!!! 

I ( and the public ) need more than a pass the buck response from your organization to get Equifax to provide the service the public needs to protect their personal information and to identify where they stand at Equifax, considering the role Equifax plays in the financial environment. Passing the buck back to the individual to mail sensitive personal information through the mail is unacceptable and improper way to serve the individual. 

I am extremely concerned that the other 2 credit bureaus have my info and i can access it. I am concerned that Equifax suddenly can't provide me with this information, especially after their identity info breach. I am concerned they say they can't identify me when i provide sufficient personal info ( online and on the phone ) and then say i have send sensitive personal info thru the mail to them. I am concerned about just why they can't identify me and just what info they may have on file that is causing this problem. i should not have to mail them personal information to resolve this!!!!! 

If your organization can't help fix this type of thing, I'd appreciate it if you would please advise who else in the government might be able to fix this mess! Equifax caused the problem in the first place and making it even more difficult to secure my information is definitely not helpful in resolve their mess! They need to be held more accountable for assisting the public, especially after the mess they have caused for us. 

Please help!
Consumer complaint received 2022-07-26
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 instruction
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX, am a consumer as defined by 15 USC 1602 ( i ). On or around XX/XX/2015 I entered into a consumer credit transaction with Capital One. Pursuant to Federal law, a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. As a consumer, and understanding what a consumer credit transaction is, I was not expecting a bill. During the course of this consumer credit transaction, I received multiple bills from Capital One which is a violation of 15 USC 1692b. Additionally, by sending me a bill, Capital One would be deemed a debt collector pursuant to 15 USC 1692a ( 6 ). Each statement for this alleged debt failed to disclose that the communication was from a debt collector which is a violation of 15 USC 1692. Additionally, each statement came with a positive balance. How can you pay on an account with a positive balance? This is a violation of 15 USC 1692e ( 2 ) ( A ).

Within 5 days of my initial communication with Capital One, they failed to provide me with the 5 requirements under 15 USC 1692g ( a ) which is a violation. Lastly, under 15 USC 1666b it's a violation to deem any payment as late under a consumer credit transaction and Capital One has done that for months on my consumer credit report which is a violation.

Lastly, pursuant to 15 USC 1681a ( 2 ) ( B ) this transaction is supposed to be excluded from a consumer report. By reporting this transaction, Capital One is also in violation of the FCRA and liable for damages for this as well.
Consumer complaint received 2023-03-26
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. (TX)

I am filing a formal complaint regarding the violation of my rights under the Fair Credit Reporting Act and 15 USC 1681 by consumer reporting agencies, as I am a natural person with federally protected consumer rights to privacy and confidentiality. The following items on my credit report have been furnished without my permission : XXXX XXXX XXXX This violates my rights under 15 U.S.C 1681 section 602 A, which grants me the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as multiple billing errors have been found in my credit report. 15 U.S. Code 1666 ( b ) billing error states that a creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor on a statement or a computation error or similar error of an accounting nature of the creditor on a statement is a billing error. As I did not receive a statement from the creditor notifying me 21 days prior to the due date, there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX As a consumer, by law, these accounts on this letter must be updated immediately, or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

In addition, I would like to report fraudulent inquiries that were made on my credit report by companies that I did not authorize to access my credit. These inquiries are as follows : o XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureaus/mortgage Processing I have contacted these companies, and they have no proof that I have authorized these inquiries or permissible purpose. Therefore, I request that these inquiries be removed immediately. 

I have already reported this matter to the Complaint Portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.