davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
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 (CA)

A towing company, XXXX XXXX illegally towed my vehicle and then extorted funds through a credit card. The transaction was under force and fear, and the transaction receipt represents signed under duress ( force and fear ) as the merchant threatened physical violence. The police were noticed a, report filed and investigation began. Civil action was also initiated against the company. The charge was submitted against my Bank of America bank account for XXXX. I filed a complaint with the bank and with the CFPB. I was contacted by Bank of America who indicated upon review of the information they would be crediting my account. This occured XX/XX/XXXX. The Merchant refiled the same charge on XX/XX/2018 which was processed by Bank of America. When I called their offices they indicated the file had no documentation of the prior CFPB and OCC complaints on this matter, and therefore they were processing this charge as valid. My card number is XXXX. My DDA account is XXXX. 

All information has been provided which resulted in BofA initially denying the charge and now that such has not been maintained in the file it allows the merchant to resubmit the charge months later and for me to be forced to go through this again.
Consumer complaint received 2022-12-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to request an update on the personal information on my credit report. Upon reviewing my credit report, I have noticed that certain information is outdated or inaccurate. I would appreciate your assistance in correcting the following details : Under the FCRA, consumers can dispute inaccurate or incomplete information on their credit reports with the credit reporting agencies ( XXXX, Experian, and XXXX ). The agencies are then required to investigate the disputed items and remove or correct any inaccuracies within a reasonable amount of time, typically within 30 days.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Consumer complaint received 2021-06-12
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: EQUIFAX, INC. (SC)

I have been disputing inaccuracies on my Report since XXXX of 2020. Equifax is reporting an account that has no creditor listed. Initially an account with the same account number XXXX XXXX was reporting but now that's gone and this account is showing. I don't know if this my account because there is no way for me to verify the information due to no creditor being listed on my credit report. I've sent multiple letters and they acknowledge my dispute in the comment section but they haven't provided me with who is reporting this information nor have they deleted it from my report. I'm trying to purchase a house and don't understand how I can take care of debt, if in fact it's mine, if there is no creditor listed. I don't know if this is XXXXXXXX XXXX since that was deleted from my credit report. I just need help at this point.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rogers, Morris & Ziegler, LLP (FL)

A company by the name of XXXX submitted a lawsuit in XXXX XXXX Florida courts in the amount of {$19000.00} on XX/XX/2009 it was to late to file this lawsuit and I was not properly notified of the lawsuit and did not know it existed ... Years and years went past and I was not notified. I found out about this lawsuit after I purchased a vehicle, The Same company submitted for my license to be suspended in XX/XX/XXXX and I reached out to them to see what was going on and they never requested to meet with me, they demanded money. In XX/XX/XXXX I had to return my vehicle back to the finance company as a result of my license being suspended and tickets being issued for no license ... I began to research and came up with a company name XXXX  who is located out of state and posing as different congressman and congresswomen ... As a result.. XXXX closed down and transfered my information to someone name XXXX XXXX at Rodgers Morris and Zeigler located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ... XXXX.. They left me with a suspended license and 3 tickets and filing for bankruptcy. Please look into this..
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, I received an email from XXXX stating that my store credit account has been closed at my request. I called XXXX the same day and asked for an explanation since I never requested to have my account closed. They told me that someone called XXXX and was trying to get into my account however they were not able to provide the social security number. The person that called was not able to verify the social security, but XXXX still changed the mailing address at this unauthorized persons request, they also changed the account PIN, and they closed my account at this persons request! XXXX employees acted in negligence and did not comply with security measures by allowing an authorized person who was not able to verify himself, to change my mailing address and account security information. 
XXXX says they can not reopen the same account because it is already closed, they offered to open a brand new account but that is not what I want.
Consumer complaint received 2019-06-12
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: CITIBANK, N.A. (SC)

Charge # 1 On XX/XX/2019 I mistakenly authorized a transaction for {$1400.00} to a company called XXXX. 
Credit # 1 I notified CitiBank who then issued a security credit to my account on XX/XX/XXXX Charge # 2 On XX/XX/XXXX XXXX issued a credit to my account. 
But Citibank posted the credit from XXXX as another CHARGE Credit # 2 XX/XX/XXXX Citibank issued a conditional credit after I called to complain. 
Charge # 3 XX/XX/XXXX Citibank Reversed ( Charged ) {$1400.00} to my account again ( now the 3rd time ) and charged me {$72.00} as a transaction fee. 
XX/XX/XXXX charged interest of {$1000.00} even though I continued to pay my bill in full each month.
Consumer complaint received 2021-06-12
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. (SC)

I sent Transunion a letter on XX/XX/21 to remove all inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I haven't heard anything from them.
Consumer complaint received 2021-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect (FL)

Trying to clean up my credit I paid a past bill to Americollect XX/XX/XXXX.After they got all my information they stated I had another bill of {$750.00}. I immediately call the original creditor which had no records of the so called bill/amount. I called Americollect back and I relate what I was told I then asked what date was the so called service I was told XX/XX/XXXX. I filed bankruptcy XX/XX/XXXX and all bills were discharged XX/XX/XXXX. I told them that. I was given the email address to send proof of the bk XXXX discharge and I did. On XX/XX/XXXX an alert from XXXX The XXXX Americollect put that {$750.00} on my credit. Hence I called them and spoke to the supposedly head XXXX who said that bill was after I filed bankruptcy and that bill wasnt on the list. I am quite sure that was apart of the bankruptcy, her lies and tricks didnt move me because I intend to fight it. She should be ashamed of herself. This is why I need this to be investigated.
Consumer complaint received 2018-06-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (NC)

I have received multiple phone calls from someone named XXXX XXXX and XXXX XXXX from the " Legal Department at XXXX XXXX '' debt collection agency. I later discovered that this is a fraudulent company who has called under other company names such as " XXXX XXXX XXXX XXXX Department and XXXX XXXX XXXX  Department ''. They have called me from multiple numbers ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I was informed that they would contact my job to have my wages garnished and contact my local county courthouse to pursue an out of court settlement. I have been harassed to a point of distress. I have requested for them to stop contacting me, but they have continued to do so.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2021 I sent a Debt Validation Affidavit to PORTFOLIO RECOVERY ASSOCIATES in regards to an alleged account that is listed on my credit reports. I allowed 30 days for PORTFOLIO RECOVERY ASSOCIATES to respond with the required documentation according to 15 USC 1692g. They received my documentation according to my certified mailing receipt and have not sent any information. PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this invalidated information to my reports.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (CA)

Paypal advanced me money for use in my business around XX/XX/XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XX/XX/XXXX. In XX/XX/XXXXpaypal reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XX/XX/XXXX paypal reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. Paypal continued to reachout to me and I told paypal that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XX/XX/XXXX ( XX/XX/XXXX ) I received a letter from XXXX XXXX , XXXX, with the acount # XXXX asking for payment of $ XXXX.for paypal.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for paypal and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to Paypal in full.
Consumer complaint received 2022-12-02
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. (CA)

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is now the fifth separate complaint I have filed concerning Capital One sending unsolicited offers in the mail. I have made multiple requests to be removed from their mailing list, which they continue to ignore.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NV)

In XXXX, I was living in an apartment for about 8 months, when I had to leave before the lease was up due to an abusive relationship and hostile living environment. I was contacted about a 8 months later from IQ data international. They called repeatedly until I answered and explained that I had this debt I needed to pay. They refused to allow me to do payment arrangements on a {$3500.00} charge until another 6 months later after repeated calls. Eventually, I paid {$1700.00} to get them off my back until they started calling my job and one individual cussed me out when I explained to him he was harassing me. 

Now, in XXXX of XXXX, almost 3 and a half years later, I have received a call once again regarding this issue. I explained to the woman, that they never attempted to contact me after the incident involving the harassment. Nor have they sent me any legit account information. She insisted that they did. I then told her why would they be calling all of this time later, and she relayed, that theres no statute of limitations on collecting a debt. Unfortunately, I work in a law office now and was able to research that in fact there are statutes of limitations on collecting debts. 

Ive never received any notice or written agreements regarding this debt nor paying what they are asking for. I did write a letter to the agency, asking for documentation and any conversations relating to this debt. I am eagerly waiting for their response as they have been given until XX/XX/XXXX, to forward any documentation.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2022-02-03
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. (AL)

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed XXXX  times on my file with inaccurate payment status. There are late pays on the same account XXXX  times on top of it listed the exact same XXXX  times. The account XXXX XXXX # XXXX and XXXX CRED # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that XXXX # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give Experian, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rossman & Co & PCB (OH)

I was contacted in XX/XX/XXXX from XXXX XX/XX/XXXXabout a {$150.00} medical Bill. Spoke with XXXX I agreed to have this deducted from my checking on XX/XX/XXXX. It was deducted on XX/XX/XXXX I called them on XX/XX/XXXX only to be told the manager would listen to the phone call. Called on Friday was told the manager hasn't reviewed the phone call I pleaded with them to put back into my account. Spoke with XXXX  on the following Monday to tell me I was right and they would put the money in my account. They call my phone every morning when I answer they hang up. I finally was able to talk to XXXX today who said I would get my money back on XX/XX/XXXX. I told her this is my money you took it out of my account in which I didn't authorize she told me they don't put it back in my account for 3 weeks to make sure this isn't a NSF. I explained to her my bank wouldn't have given you the money unless it was there. They are giving me the run around all I want is my money. Please help me
Consumer complaint received 2019-10-05
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. (AZ)

I am a victim of identity theft. The following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening telephone calls between the hours of XXXX XXXX and XXXX XXXX of harassment, abuse, misleading statements and threats of being sent to jail or prison from the above creditors Debt Collection representatives in regards to the fraudulent accounts. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.