davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

Back in XX/XX/XXXX-XX/XX/XXXX, I noticed that there was something on my credit report that did not belong to me. So I sent them a letter disputing the information, therefore they deleted it off all of my credit reports. My wife received a call on today XX/XX/XXXX from a restricted number stating that they have some legal documents for me to sign. When I told them that it did not belong to me they gave me the telephone number ( XXXX ), and then they told me to hire a lawyer because they are suing for fraud.
Consumer complaint received 2017-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I took advantage of a 0 % Transfer rate for 12 months. I still had other existing balances on the account that had a 19.74 % rate. I assumed that all payments I made would go toward the " highest rate '' balance.I recently questioned them because I believed I had paid off the entire balance. 

XXXX XXXX, XXXX XXXX % Balance {$3300.00} XXXX XXXX, XXXX Paid {$3200.00} XXXX XXXX, XXXX Paid {$300.00} I assumed that balance would be {$0.00}. My XXXX XXXX, XXXX statement shows XXXX XXXX, XXXX 19.74 % Balance {$1800.00} Even with the minimum payment of {$300.00} not being applied, how can my balance be {$1800.00}? It just does n't make sense! 

Please help. 

On the Frequently asked Questions, it has a response to how are payments applied. 
It states " Payments above your Minimum Payment due will generally be applied to your highest rate balance first '' That 's it!! Why does n't it state what it does ... minimum payments will be applied to the 0 % offer balance and any amounts over will then be applied to the highest rate. I 'm disgusted and ca n't believe Bank of America allows this to happen. I 've been a loyal customer for 30 years and I ca n't imagine the total interest they have charged me over the years because of this.
Consumer complaint received 2017-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

An account was opened for XXXX XXXX in XXXX of 2016. Immediately after a better deal was obtained from XXXX. XXXX equipment was returned to them and the account closed within two weeks, well within their 30 day no risk guarantee. XXXX has attempted to claim two invoices in the amount of {$200.00} for XXXX and XXXX of 2016 despite their equipment ( set boxes and routers ) being returned and the account closed in the same month, XXXX of 2016. Despite repeated requests for a contractual agreement with a start and end date to validate their claim for this money, they only provide invoices as their validation, which does contractually prove any agreement between myself and XXXX.
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I was the victim of identity theft that initiated from taking over my cell phone SIM card and service number. On XX/XX/XXXX I again lost service to my cell phone and was told that someone claiming to be me took over my account and was now using my XXXX XXXX XXXX cell phone account and number. I then learned that this individual opened and was approved for at least three credit cards in XXXX XXXX XXXX by providing my name, my Social Security Number, my correct home address, my birth date, a Pennsylvania state-issued drivers licence ID, and my cell phone number. I have contacted the PA police and the XXXX police departments, but have been told that they are unable to help. I have put a fraud alert on my social security number. I spoke with the XXXX XXXX store clerk in XXXX and they do have video surveillance of the person who was opening two of the credit cards with my stolen identity on XX/XX/XXXX. The police departments are not concerned about helping me.
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

My mother, XXXX XXXX XXXXXXXX passed away XX/XX/2022. She had a checking account with US Bank which I attempted to close starting on XX/XX/2022 when I sent the requested death certificate, power of attorney and my identification to XXXX XXXX XXXXXXXX ( XXXX ) I received an auto reply directing my to make any further requests to US Bank Life Events. I have sent additional emails and left phone messages with US Bank Life Events throughout XXXX with absolutely no response other than 1 generic email sent XX/XX/XXXX stating that someone from US bank would contact me which no one has.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TN)

Received a collection notice from Synerprise Consulting Services collecting for XXXX XXXX XXXX. I do not owe this company money. XXXX XXXX is trying to collect on a a debt that I do not owe. I was first contacted by XXXX XXXX 's more than a year after XXXX XXXX XXXX had previously written off a bill. The XXXX rep, confirmed on a XXXX way call with XXXX that this account had previously been written off by the original owner, XXXX XXXX XXXX. It was confirmed at that time that I do not owe XXXX XXXX XXXX
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

There has been over {$10000.00} in suspicious activity on a joint checking account I have with my mother. My mother is the primary account holder and she did not authorize any of the fraudulent activity. Many of these charges were made when she was alone and getting ill. I have no knowledge of these ACH, debit and credit transactions. The purchases varied in nature but many of them follow a pattern very consistent with fraudulent activity. Some of the transactions were for mail order goods billed directly to the account, some on an ongoing basis, but for goods never received at her address or mine. Most of the transactions were also completely inconsistent with my mother 's spending patterns over time. I do not use the account regularly and these purchases are also inconsistent with anything I have ever purchased.     I filed a complaint wit h Capital One  Bank about the fraudulent activity. They did issue complaint case numbers and supposedly investigated, however, the results of that investigation have not been meaningful or even minimally transparent. Their lack of real assistance in this matter leads me to believe they provide no real protection to their customers, especially those who may be particularly vulnerable to this type of fraud. She is on a fixed income with few financial resources. The failure of  Capital One  to conduct a thorough, transparent investigation and meaningful resolution is extremely frustrating.     Please help us get a resolution to this unauthorized activity with, hopefully, at least a partial credit of the funds. Although she has since had  a Conservator  appointed, he has no knowledge of these transactions and so can not provide any meaningful assistance. Thus, I am hopeful that CFPB can. ( Please note that I have put my home address on this complaint but her address with  Capital One a t the time was in Virginia. )
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

1.I have never had an account with this company CAPITAL ONE XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to

my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinio
n.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America staggered years posting Delinquent Line of Credit on Mortgage to add additional years from the 7 to 9 years with one credit Bureau ( XXXX ). Since none of the Credit Bureaus coordinate with each other, no one can assist in the difference in years filed for the same account. BoA listed with XXXX that a payment was made in XXXX... which I never made. On their Report Legend it is justified with " Ok ok ok etc ) for that year. How did it get to be ok .... ( Fraud payments posted )? No payment made. 

I received all three Credit Reports from XXXX, XXXX and XXXX : The account numbers were changed for different accounts BoA was filed with XXXX XXXX Same account. When XXXX submitted my dispute... it was changed and closed. 
BoA was filed with XXXX XXXX same account. Changed and Closed BoA was filed with XXXX ( XXXX ) with bogus payment made in XXXX to extend the years from ( 7 to 9 ) to a closure date of XX/XX/XXXX. I MADE NO PAYMENT IN ( XXXX ) to this account. This justifies their beautiful, itemized statement. 

In their payment legend with OK OK OK reset the account., extend delinquency and post with a Credit Union . 

Also different account numbers used with the Credit Bureau... With no check and balances with each Credit Bureau, Can they post a bogus payment and post with different account numbers, extend years, and file with a different Credit Bureau? 

My original account number is XXXX, and this number is not used, but different numbers with different accounts. 

I know accounts may be posted with different Bureaus within 30 days or so, but not 2 years, same account, to keep a negative credit rating after the 7 year allowance on this type of delinquent account. 

Since I posted a Dispute, the information now reads " Foreclosure Initiated ''. 

Please help ... .Thanks.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

It has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money ... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact XXXX of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it ... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about XXXX now ... every time I call them ..the call is always recounted to another country ..no one can answer my question and they keep hanging up on me cause no one can help
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXCC XX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX