davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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. (OH)

I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -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 -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was trying to add an app to my TV the code didn't work so it gave me a phone number to call I called the number the guy had me search on my phone and app which gave him a location number that he took from me so he could access my phone he then told me to open the Capital One app so he can verify my address he then told me to go to the funds Transfer app on the bank called XXXX and put in {$980.00} I asked him why that amount he said he had to send it to the supervisor so he can get me a code back in that my account would not be charged so I did it and then he told me to do it again I did it again for a total of XXXX XXXX I immediately realized what I did and I called Capital One and filed two claims They denied both my claims explaining to me that they couldn't find any error
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America credit card offer.   In my case, BOA charged me a $XXXX "minimum interest fee" when none should have been charged.  I have paid the amount due, in full, on my XXXX and XXXX statements.  My XXXX XXXX statement said I had a balance due of $XXXX, due XXXX XXXX.  I paid the amount due, in full, on XXXX XXXX.  During XXXX I charged nothing on my BOA card, but did make use of a 0% interest balance transfer offer, that had a 4% fee associated with it.  That balance transfer cleared my account on XXXX XXXX and the 4% transfer fee was posted on the same day.  My XXXX statement said a minimum payment of $XXXX was due on XXXX XXXX.  I paid $XXXX on XXXX XXXX.  My XXXXXXXX XXXX  statement has a $XXXX "Minimum Interest Charge".  HOW in the world can BOA charge me any interest when the only money owed them is from a 0% interest balance transfer that a paid a 4% fee to do?  Completely inappropriate.  I called BOA today and they said they reversed the $XXXX.  However, I write you because what if BOA has done this to perhaps a million other customers that took them up on the balance transfer offer?   It's not really the the $XXXX that causes me to write you, but rather the principle that I paid  4% fee to get zero interest - and then they charged me interest.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (OH)

I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -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 -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX called Midland Funding to pay I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened and I shouldnt be asking any type of questions I should just be paying for this account and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my XXXX XXXX benefits.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOBXX/XX/XXXX. I have attached my DL for proof of ID Please update my address to  XXXX  XXXX XXXX  , XXXX OH XXXX
Consumer complaint received 2021-05-07
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. (NJ)

I have disputed the account with XXXX services on my credit report several times ( XX/XX/202, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX  XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!
Consumer complaint received 2021-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed the account with XXXX services on my credit report several times ( XX/XX/202 XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XX/XX/XXXXXX/XX/XXXXand they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (MI)

XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. 

I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. XXXX XXXX 2. XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2020-11-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Volunteer Mortgage Loan Servicing (TN)

In XXXX when I was trying to make my XXXX payment. The office was closed due to a holiday on XX/XX/2019. So I couldn't call to make the payment. I tried logging into the web portal to make my payment but couldn't get my payment to be accepted. I was not able to make my payment until XX/XX/2019 causing my payment to be late. My credit then had a late payment reported which lowered my score almost 40 points. I disputed the late payment due to the web portal not working to make my payment on time. When I disputed the payment they took the late payment off of XXXX and then reported it late in XXXX again causing a 40 point decrease. I have tried 3 additional disputes to have the late payment removed and it keeps coming back validated. It is not an accurate reporting. I spoke with someone at the company on XX/XX/2019 advising them that I would be making my payment on XX/XX/XXXX due to that was my next paycheck date. I was advised that would be ok but I would need to make the payment online which I tried to do. The office keeps telling me that they don't have record of that call.
Consumer complaint received 2022-04-28
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: Resurgent Capital Services L.P. (CA)

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2022-04-28
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: Second Alliance, Inc. (CA)

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-03-27
Product: Credit 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 (NJ)

On XX/XX/XXXX I was trying to make a purchase from a merchant using my Bank of America credit card I tried several times to make the purchase but the merchant keep canceling my order and telling me its my credit card company. However on the final try my order got cancelled again and the merchant said my refund will be issued. I waited a full week as mentioned by the merchant and I never received my refund even though they canceled my order and said I would not be able to purchase on their website. I reach out to Bank of America and opened a dispute XX/XX/2024 the dispute was opened and bank of American provided me a temporary credit and said the merchant have 60 days to respond to the dispute and if I dont hear from them I can consider the temporary credit permanent. Yes XX/XX/2024 marked 69 days and I have not received not one email or phone call from Bank of America about the dispute or asking for additional documents, yes I checked my account and see the temporary credit removed from my account with no details about the dispute or anything, even though its been 69 days. I contacted bank of American via phone calls 2 times and neither one of the customer representatives could not tell me whats going on with the transaction or my money. They keep saying they can not see any updates on the dispute. Its very ridiculous they way Bank of America handle customer. Banks of America said if any documents is need from my end they will reach out to me. They also said if the merchant does not respond in 60 days I can consider the temporary credit permanent, its been 69 days and the temporary credit was removed from my Account with no explanation email or phone call communication from Bank of America & no customer service was able to see whats going on with the dispute as both of them dont know whats going on either. Im kindly asking the CFPB to step in this matter and help since bank of American refused to conduct a proper investigation. I have all evidence of the merchant canceling my order and promising me my refund & also mentioning that I can not make any order on their website.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

These following accounts has failed to provide proof of debt. I am also a victim of T-Mobile date breach 2019 and identity theft victim. 

The following accounts should be removed due to inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, State ID, and detailed document in regard to my claim.
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/16  I took out a Flex Loan with Advance Financial. The APR is 279.5%. My payment is $XXXX bi weekly. $XXXX is interest and fees. I have paid my borrowed balance many times over.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-04-28
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. (FL)

i filed a complaint with XXXX, XXXX, and Experian about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : XXXX XXXX XXXX can not furnish an account without my written instruction. XXXX XXXX has been deleted from my XXXX Credit Report, XXXX Credit Report, and Experian Credit Report. XXXX XXXX has been removed from my XXXX Credit Report but not from my XXXX or Experian Credit Reports. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, Synchrony Bank, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. Neither of the companies replied to my letter, and neither one of them complied. I have attached the letter that I mailed each company on XX/XX/2024.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Someone used my identity fraudulently to the tune of {$380000.00} for a COVID stimulus small business loan. I disputed this loan and put into place a temporary freeze until I can come up with a plan to protect my identity ( XXXX, maybe? ). I was told by Experian, once the dispute was settled in my favor, that my previous score would return to its original number within 72 hours ; however, it's still down by 12 points weeks later. 

Also, due to an injury, I had to refinance my home and it took weeks to get my temporary freeze lifted because there was only an automated operator who would cut out and then declare it didn't get the information and then cut out again and decide it was too difficult to go on and hang up on me. On top of all of this, I never received a PIN from Experian to lift my freeze. 

I finally got the temp freeze lifted after WEEKS of struggling with Experian, but I'm worried about my score. Experian has been a nightmare! XXXX  and XXXX  were extremely helpful. Why won't Experian help the general consumer unless they pay {$24.00} a month in fees? 

No paperwork on file- everything ( when I got a person online ) was through chat. It's all " recorded for quality assurance ''.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (NJ)

I have disputed the account with XXXX services on my credit report several times ( XXXX/XXXXXXXX, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!