davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at XXXX XXXX XXXX, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
Consumer complaint received 2018-12-13
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. (UT)

XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. XXXX ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, EQUIFAX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

This bank treated me horrible during covid they reported me late on XXXX are reporting me late 30 days when I called them To make payment arrangement and they agreed they would give forgiveness and not report me late they are ruining my credit score shame comenity bank sucks and XXXX is out of business they should remove this late mark off my credit
Consumer complaint received 2022-03-13
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: SinglePoint GI (IL)

I recently checked my credit report and saw that GENERAL REVENUE CORPORATE ran an inquiry on my credit report without my permission. Under the Fair Debt Collection Practices Act my social security card is my credit card and it was used without my consent. They have never sent me anything in writing asking for my permission to run my social security number now have they even informed me that they ran it and this was a month ago. They are committing aggravated identity theft and a report will be filed with the FTC because I have no idea who this company is or how they accessed my information.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION (TX)

I recently got approved for $ XXXX with BBVA Compass. I was given a higher interest rate and the score used was a strategic move to manipulate the system. My fico is over over 750 I was given a 14 % plus rate. They claim my score was XXXX XXXX. I purchase a car about the same time and the dealership told my XXXX was XXXX and XXXX XXXX was XXXX. I call the corporate office and it rang a few time then hang up. When I made contact with the number on the application I was told I could reapply in 6 months.
Consumer complaint received 2018-10-30
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. (CA)

I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (MA)

I am writing to file a formal complaint/claim against XXXX for its negligent handling of my debit card disputes. Not only has XXXX denied my disputes, but it has also neglected to address concerns and disputes I have raised about its investigation procedure in several email exchanges with its customer support. Furthermore, it is refusing to dispute additional unauthorized charges I have found and filed with the same merchant. 

In several email exchanges with XXXX, I have voiced concerns about its third-party investigator 's ( XXXX ) approach to investigating the unauthorized charges and expressed it was a biased review and not one that was done in my best interest to help me get the money back. I also filed a police report with the XXXX Police Department, as well as an FTC ID Theft report and affidavit, yet the police nor the FTC were ever contacted as part of the investigation. 

Currently, my account sits at negative - {$1900.00} due to this. I have sent a Demand letter to XXXX asking for it to credit my account in full for the unauthorized charges I have disputed, totaling {$4400.00}. 

XXXX has told me that it will not honor it. 

I am attaching my Federal ID Theft report as well as a police report, and I have several documented email exchanges that I will present to the Attorney General 's Office in Massachusetts in the event that this does not get resolved through the CFPB.
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-02-04
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: TD BANK US HOLDING COMPANY (CA)

There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (ME)

This complaint is time sensitive to try to recover funds in 10-14 days that will reappear on the account. 

On XX/XX/2018 My employee fell victim to a phone scam. She followed their directions and went to XXXX, purchased an AMEX Serve card {$220.00} with my funds and provided the information to the caller Upon determining what had been done, I immediately filed a police report with XXXX Maine Police Department and contacted AMEX who provided me the merchant info for how the card was used at XXXX for {$220.00}. 

XXXX at XXXX was helpful and will return the transaction as fraud to the card in 10-14 days The transaction id of the fraud transaction was # XXXX AMEX SERVE is very disappointing. The did finally answer after hitting 0 # repeatedly as suggested by another AMEX department. They agreed to freeze the card for outgoing transactions but directed me to register the card. Unfortunately, in trying to register and providing all personal information including DOB, SS #, and mothers name..it continued to come back with Sorry an error occurred. I went on to repeat this process with 3 different representatives where they would unfreeze the card and it would say the same. The troubling thing is the call would go to a point then they would say hold on a moment and " we are sorry we are having technical issues with our phone system '' please try your call another time. It was very convenient how this message came up when they seem to chose. 

All that will happen now is the card will finish being registered by whoever the thief is and they card will be unfrozen and the funds gone again. AMEX will not give a new card or send the funds back to me as I requested. I am repeatedly told to register the card and the above., Resolution : I have the card in my possession, the receipt where purchased. I want my {$220.00} refunded to me at my mailing address. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX
Consumer complaint received 2018-10-30
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. (CA)

I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-13
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: Upgrade, Inc. (NJ)

I had another account dispute open, it was closed. All my accounts are update, as the rep explained to me. I received 2 different emails for each card saying they are working, for use. Today I tried to use one of the cards again decline, they man at the gas pump say let him try and decline. Call upgrade, they say all accounts are current, they see the decline, the cards are active. They need more time to fix the issue. I hold off on paying one of my accounts until they fix all my accounts. Right after they said they were fixed, I paidnthenlast account just to find out my still being declined for cards that are automatically paid.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo send me a letter and saying that they will close my personal and business ( including savings ) account. When I call them, they gave me no explanation as to why they decided to close my accounts. I think they think something suspicious is going on but i don't do anything illegal. So, I think they are closing my account unfairly.
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (GA)

Complaint Type : Billing or Collection Issues Collection Company : Financial Corporation of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Business Phone Number : ( XXXX ) XXXX Problem : This a SCAM & Un-Verified attempt to Steal Money not Due a Crooked Collection Agency. I have received a collection notice ( # XXXX, internal number to FCA ) for a Hospitalization from an Accident that has been paid in full approx 1 year ago! This was Verified through XXXX & my Attorney!!! This Organization is a LIAR Thank you for this avenue to express and report. However, our SYSTEM Is BROKE!! Good People are allowed to be Harassed by Criminals and failed efforts to VERIFY TRUTH! " The Good thing About the TRUTH, You Never have to Explain It '' Product/Service Purchased : FAKE Collection Purchase Date : XX/XX/XXXX Date Problem First Occurred : XX/XX/XXXX Dates you complained to the company/organization First Date : XX/XX/XXXX Payment Made : No Original Debt : ( PAID in FULL ) XX/XX/XXXX XXXX XXXX Hospital XXXX, GA XXXX
Consumer complaint received 2018-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan reported my mom XXXX XXXX late on her auto loan account number XXXX. There was something wrong with her last payment and somehow they marked her late. My mother has never made a late payment in the 5 years she had the loan. How can they report her 30 days past due in XX/XX/2018 when the account is paid.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WV)

The alleged debt which was previously held by XXXX XXXX XXXX was sent to collections that negatively affected my credit score. The alleged collection was disputed and deleted off my account on XX/XX/XXXX. On XX/XX/XXXX a different company by the name of Enhanced Recovery Company has reentered the alleged debt into collections once again negatively affecting my score that was just fixed due to improper reporting of said debt the first time. I believe Enhanced Recovery Company Violated the law by not notifying me and reinserting debt into collections that wasn't valid.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/22 of this year I recently got an email from Experian saying they took my credit score away permanently without any explanation of why I called the company Several times but kept getting a record ed message no one would answer the phone telling me to go online to get in touch with them which I did several no response back from them about all of a sudden change now I have no credit score upon my research they are trying force to by products and services to pay them a upgrade fee for my credit score which I can't afford right now this practice is for illegal and needs to be looked into because I have free account with them now they want to pay for something I don't want or need right now and can't afford people are struggling I trusted them but not anymore I tried to close my account as well can you please investigate and find out why there doing this please thanks XXXX XXXX!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

{$850.00} of interest charged before XXXX year promotion, I opened account in XXXX 2021 but they back dated it to XX/XX/XXXX causing a years worth of interest to be charged before I could pay in one lump sum. The promotion stated one year of interest free payments. I did not open an account with them until XXXX, not XX/XX/XXXX as they claim. My first payment is not even recorded until XX/XX/XXXX of 2021.
Consumer complaint received 2019-08-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VEROS CREDIT, LLC. (CA)

I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.
Consumer complaint received 2018-10-30
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: Bread Financial Holdings, Inc. (CT)

i called XXXX XXXX XXXX over a year ago about the complaint because i returned the item and was not going to pay for an item i returned. they said they fixed the problem but i still kept recieving notices in the mail stating i still owe. this occurred 3 consecutive times until the 4th time i calles it was finally resolved and they sent me a check in the mail for {$33.00}. they also said that they would report it to the credit reporting agencies to fix my credit but my credit was never fixed.
Consumer complaint received 2018-10-30
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 (NC)

This matter is regarding Paypal transaction XXXX. On Wednesday, XX/XX/2018, around or about XXXX XXXX I attempted to make an instant transfer payment through my PayPal account ending in XXXX in the amount of {$49.00}. The Paypal system submitted an e-check for payment instead of an instant transfer WITHOUT any indication that the system was about to conduct this transaction INSTEAD of the transaction I AUTHORIZED. The system subsequently debited my XXXX XXXX XXXX  account ending in XXXX for a transaction I did not AUTHORIZE! On this same day, Wednesday, XX/XX/2018, I spoke with 3 representatives on 3 different occasions. I spoke with the first representative Wednesday, XX/XX/2018, around or about XXXX XXXX. I spoke with the second representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX, and I spoke with the third representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX. All 3 of the representatives provided 3 different answers to my case diametrically different from each others ' answer. Ultimately, leaving my case unresolved. After checking my disputed case each day after my dispute, I contacted their disputes department to follow up on the resolution nearly a week later on Tuesday, XX/XX/2018, around or about XXXXXXXX XXXX. At that point a representative informed me the e-check, I explicitly indicated to the 3 representatives, on Wednesday, XX/XX/2018, that I did NOT authorize their system to submit AND withdraw from my XXXX XXXX XXXX  account, cleared for payment. I disputed this transaction again on Tuesday, XX/XX/2018. The transaction reference number for this dispute is XXXX.