davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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. (NY)

The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX  {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (GA)

I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Despite two written requests from PORTFOLIO RECOVERY, AND THE INCONSISTENCY of the unverified item listed below still remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I am asking PORTFOLIO RECOVERY to Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (AL)

I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I am in the Military someone taken my identity and applying for different accounts.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

On XX/XX/18 I got an alert that my account was in the negative. Every so often when this happens, I run to the bank and deposit the money and I'm fine. This time, I went to the bank and still got an overdraft fee after the money was in the account. I spoke with a rep on the morning of XX/XX/18 and she stated that there is nothing she can do and that I need to pay the XXXX that I was over by. I went to the bank shortly after that and deposited XXXX plus I did a transfer of like XXXX. I did this because I knew that I was expecting 2 other items to charge either the same day or later. Once I made the deposit, my account was in the positive. I checked my account later on XX/XX/18 in the early morning hours and noticed that I am being charged another XXXX in overdraft fees. I called on XX/XX/18 at around XXXX hours and spoke with a rep by the name XXXX, who stated that there is nothing she can do and I have to pay the fees. I asked to speak with a supervisor and she placed me on a 15 minute hold, before a supervisor by the name XXXX answered the phone. XXXX stated that the charge posted to my account the day before and that is why I was being charged the fee. I asked how can the charges post the day before and I not see it when I went to the bank or spoke with the rep the day before. She said there was no way for me to see the charge and that I still have to pay the fee. I told them I wanted to close my account because I am being robbed of my money and she stated that I can't close the account until I pay the fees. I told her that I would be filing a complaint and contacting my attorney and that after everything is said and done I will be closing my accounts. I explained to them that I went thru a similar situation about 2 years ago with them that ended up costing me over XXXX in overdraft fees that I was stuck paying.
Consumer complaint received 2018-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX has been calling my home to collect a debt owed by my XXXX year old daughter. They are now calling my cell phone number which I use for my business. This has been going on for almost a year. I have told them numerous times my daughter has not lived with us for years, to stop calling us and they continue to harass us. I block their number every time they call but they call from several different numbers.
Consumer complaint received 2022-06-14
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, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

On XX/XX/XXXX, upon review of my credit report, I noticed a collection on my report dated XXXX and XX/XX/XXXX. I panicked and pulled out the detailed information of the collection agency which is from Receivable Performance Mgt, LLC ( RPM, LLC ). I sent right away a dispute letter as I have never received any letters from them. The certified mail was first out on XX/XX/XXXX. I have not received any letter back. I again sent a request letter for validation of this debt on XX/XX/XXXX and requesting them to delete the negative report. On XX/XX/XXXX ( this was dated XX/XX/XXXX on the letter ) I received a bill from them with no proper validation of the account they are reporting. Reporting this without prior notification and showing the validity of the debt on my behalf is a violation of my right under the FDCPA. 
These are the violations the RPM, LLC made. 
The RPM, LLC did not properly notify me before reporting the debt. 
The RPM, LLC upon request of validation of the debt, did not provide me the debt information ( amount, name of the creditor ) within 5 days ( if they contacted me ) and 30 days from receipt of my dispute letter that I discovered from my report. 
The RPM LLC never provided me enough information about this debt upon request within 30 days before reporting it to the credit bureau.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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 2020-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

I currently have a mortgage with M & T Bank. This mortgage is currently in a forbearance plan as a result of a COVID hardship assistance request, effective XX/XX/2020. As a result of this forbearance, my payments have been paused. Last week, I've received a letter from M & T Bank notifying me that despite my current forbearance status, my mortgage is currently " in default ''. This new information does not coincide with the current forbearance plan that I have been approved for. It is my opinion that M & T Bank has committed to harassing and bullying consumers who have opted to take advantage the protections afforded to them during this crisis. Prior to receiving this letter, I have received multiple calls from representatives of their bank, calling to remind me of what my options will be once the forbearance period is over. On the last call I received, the representative informed me that at least one option to resolve the past due payments will not be available to me if I do not have steady employment at that time. I do not believe this information to be accurate.
Consumer complaint received 2019-08-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX continue to placed a repossession on my credit file against FCRA guidelines. ection 623 ( 5 ) ( A ) says : In general. XXXX XXXX furnishes information to XXXX, Experian and XXXX regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, I've made several attempts to notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
According to guidelines, This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. 
A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. XXXX XXXX have re-aged my account. According to the credit bureaus, my first ( DOFD ) date of d first delinquency was XX/XX/2018 which is incorrect according to Experian.
Consumer complaint received 2018-04-25
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. (TX)

There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX
Consumer complaint received 2018-10-17
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. (IL)

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth XXXX XXXX  for something that is not my mistake. Then I attempted to deposit again even it has funds they charged again a return fee plus way too many overdraft protection. I called XXXX and they said I never had any stop payments so why Bank of America is doing that anomaly. Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credt cards ) at BofA, Until XX/XX/XXXX they are still charging a closed account. Now, my credit score got affected by Bank of America 's fraud? My credit score is XXXX, now it dropped to XXXX. Now they are collecting another XXXX XXXX again.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX XXXX! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Mortgage 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 2020-01-31
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. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have complained about this once before, when XXXX turned my account over to a collection company. They took the debt down and issued a letter deleted it from the credit bureaus. 

Once again I have a collection in the amount of XXXX From now a collection company called XXXX XXXX XXXX. 

I paid my XXXX bill and had the last payment in XX/XX/XXXX. It was a XXXX  balance. I ended the account because I was in a car accident. I sent the equipment back as well as got confirmation about this. 

The problem is that they are billing me when I had a long history of paying the bill. 
My bill was only {$70.00} a month. How they are figuring over {$500.00} is fraudulent. 

They have told me its because I got a charge for " early termination '', however, the final bill stated over the phone was around {$200.00}, and they waived the termination fee because I had a good reason not to continue the service. 

I have called XXXX over 50 times on this matter. I have filed complaints plus was promised by many management teams that this would be addressed. I sent faxes and made memos. They never do as promised. The representatives never know whats going on. I am not paying for a bill that is not warranted. For convergent to file this on my personal credit is against the law, against the Fair Credit Reporting Act. 

I have spoken to both companies and tried to resolve this but to no avail. I need this to come off my credit as it is affecting my livelihood and ability to obtain proper financing for my business.What they are doing is a crime. I was quoted by XXXX on chat as well as phone that my final bill was {$200.00}. 

The last payments I made was in XX/XX/XXXX, and It was a XXXX balance when I closed the account. My bill was only {$70.00} per month. For them to jump this up to $ XXXX {$700.00}? Is a crime. 

Please advise. 
Thank you XXXX XXXX  XXXX
Consumer complaint received 2022-10-20
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: Paypal Holdings, Inc (CA)

This is about the charge by XXXX XXXX XXXX 
On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. 

Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

On XX/XX/19, I inquired about mortgage rates with Quicken online ; rates were displayed and I declined an invitation on the website for a return call as I was not interested in what was advertised. 

I received a call later in day at XXXX local time from XXXX XXXX , Senior Mortgage Banker ( NLMS XXXX ). The representative continued to gather information from me not indicating anywhere in the call that I was making a formal application until the very end. 

I stated I was seeking a rate estimate and fee information ; the representative repeatedly stated " interest rates are federally regulated and it was not necessary to shop around as all mortgage bankers are fishing from the same pool ''. Rates obviously vary between lenders and I asked for clarification, she repeated the same. The representative was abusive and deceptive. She advised I should " continue with the application, without giving me insight to rates or fees so that her Director can review the loan ''. I provided my exact FICO, DTI, profile, product interested in and loan specifics. Fee information could not be given and the call ended. 

The loan officer sent me a text with her information and I responded asking for her Director to call me. I advised I wanted to file a UDAP complaint and did not hear further.
Consumer complaint received 2022-10-20
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: LEXISNEXIS (MS)

Consumerdisclosure.com reports to XXXX XXXX XXXX XXXX that I had a XXXX car. I talk to LexisNexis company, and let them know it was not me, I never own a XXXX auto. 

LexisNexis Risk Solutions, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX. 

Policy # XXXX Thank you!
Consumer complaint received 2021-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

I got a letter from Macy 's stating they were reducing my credit limit to {$100.00} based on a report from XXXX that my credit score is XXXX. My credit score on XXXX is XXXX. 
I contacted Macy 's credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted XXXX. XXXX is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from Macy 's which I have faxed to them.