davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My issue is with Bank of America. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XX/XX/XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX area. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery Associates had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX Bank for the amount of {$2700.00} plus court costs. 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that Portfolio does not have any right to appeal this judgement. 

Since that day, Portfolio has continued to tell all XXXX credit bureaus that the debt is valid. 
Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A glitch that occurred with TransUnion caused all of my Credit inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legal required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to remove the inquires that were illegally re-added. These inquiries add a hardship for me, and my rights were violated by transunion. I ask for your help in stopping transunion of victimizing me.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TN)

I was contacted by AMSHER COLLECTION SERV concerning a " debt '' that I owe. I informed them that I had no idea of what they were talking about. They refused to send any additional information concerning who this supposedly was from, what it was for, when it supposedly occurred, who to even contact. Not I have a collection of {$260.00} on my credit reports and I have no way to get it off because this dishonest company is trying to extort money for debts not owed to remove it.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (TN)

This complaint is about Equifax. I recently pulled my credit report and noticed inquiries and accounts that were not mine. I made a disput on the accounts and iquiries but each and every time i get the run around. I hear well we verified it. I asked how did you verify the information? The response give was we send it to them electronically and they reply back either verified or not. That's it electronically? How are you able to ensure they are telling the trugh? Equifax s response " we take their word for it ''. Wow so anyone can lie and place fraudulent account on anybody 's credit report without actual proof just a word. And we wonder why we have so many issues with identity theft and fraudulent accounts. I made complaint after complaint and i get nothing I have inquiries on my credit report that were not mine. They said call the original creditor which i did. They said call the credit bureaus. So it's a back and forth game between both places. I understand the credit bureaus is here to make money of this kind of stuff but don't turn a blind eye and not investigate the issues just to keep a dollar!!!! 

And stop outsourcing your call centers to overseas where the poeple can barley speak any English and all they do is read a script off the computer screen. That does not help any at all. They are rude and hang up then you have to call back and wait in line all over again. And when asked to get transferred to an agent here in the US they just tell you they can't do that and hang up on you. One representative already said they can not do much over their they can only say what's on the screen. So what is the purpose of that then?
Consumer complaint received 2021-09-16
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. (MI)

ON XX/XX/XXXX I sent a complaint to the company Transunion via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they will review all info. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Transunion is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.
Consumer complaint received 2021-09-17
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. (MS)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following 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
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA recently closed my credit card with $ XXXX available credit line which had XXXX balance and always paid on time. I had an account with them for over 6 years and they are giving me no reason to close other than it was higher management decision and they don't answer calls and it's permanent decision without giving me any reason at all. This has been very frustrating experience by any bank not giving me why it happened. USAA recently paid {$140.00} XXXX fine for money laundering and loss of investment and now victimizing innocent members. I have honorable discharge in my military service and I don't owe them anything thus I have right to hear a reason why they are doing this to me.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (CO)

ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (CA)

MoneyLion is the Name of the party that I am disputing I signed up for a XXXX XXXX and received one advance which was repaid. After that, MoneyLion repeatedly debited my account for instacash advances that were never made. XX/XX/XXXX for {$56.00} and XX/XX/XXXX for {$45.00}. Also debits for MoneyLion Plus Membership Fee for {$9.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In addition a loan that was taken out without my authorization. ML Plus Loan deducted for {$38.00} on XX/XX/XXXX, ML Plus Loan for {$38.00} on XX/XX/XXXX.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I filed bankruptcy on XX/XX/XXXX. My daughter calls me today, XX/XX/XXXX and informs me that she is receiving calls from Capitol One about me. They told her that I had a civil summons and owed over 11,000.00 to them and they want the money. First, I didn't owe that amount that is several thousands more than what my credit limit was and my credit card with them was not even maxed out. This account was discharged in bankruptcy almost 3 years ago. Capitol one has my phone number. Its the same number that I have had for years. They could have called me and discussed this with me and not with my family members. This is not the first time a family member called me and told me that Capitol one was calling them trying to get the money. If Capitol One continues with contacting the family and others, then I will have to sue them for harassment, threats, lies. This needs to stop and stop now!
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Ive sent several notices to this company regarding the inaccuracy of this account. I do not owe this debt and Ive disputed it with the credit bureaus as well as this company. They sent a statement with a different balance than what is reporting on my credit report which confuses me even more. Ive also noticed that on my report it showed a payment made way after the account was placed on my report, that is false! I do not owe this company this debt and would like to stop being contacted regarding this account.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent in error. I am a consumer by law and in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX, XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
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. (TX)

Both Experian and XXXX  is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to Experian and XXXX  saying the account needs to be deleted off my report.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CO)

Paid amount to original creditor ( XXXX ) XXXX stated that it would be a pay for delete from my report if the amount was paid in full. They also confirmed that the collections account would be removed from my credit report.
Consumer complaint received 2022-04-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WASHINGTON FEDERAL BANK (AZ)

Washington Federal was push on us by XXXX XXXX XXXX. We applied for a loan in XXXX and were approved. Fairway homes has a XXXX price lock which they do not specify that they have they right to eat up the days themselves. In our case XXXX took about XXXX of the 120 days. At this point WaFed ( Washington Federal Bank ) was telling us everything on our loan was ready for underwriting no issues. We get to the last few weeks and have met every deadline for XXXX XXXX this is where things got sketchy. WaFed kept telling us our loan was in underwriting everyday. They knew that the builder wanted to increase our loan by XXXX XXXX. We ask to speak to underwriting they say no they are in XXXX. At this point We were told we could waive our right to rescind and waive the XXXX day review of closing documents. We said if we could at least see some numbers we would consider. They would not send us any numbers for our loan. Here lies the problem XXXX is where the mother company for XXXX homes ( XXXX  XXXX ) who appears to also be the prefered lender WaFed. It seems like they did not finish the loan as a favor to XXXX XXXX XXXX in order to allow the price increase. There was nothing they needed from us. We asked multiple times what the problem was we requested someone in management to call no response.
Consumer complaint received 2019-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Cherrington Firm PLLC (UT)

On XX/XX/19 at XXXX I was served with a court summons by THE CHERRINGTON FIRM, LLC for outstanding medical debt to XXXX XXXX. The amounts where listed as follows : {$240.00} for valuable goods and/or services {$72.00} for pre-judgment interest and collection costs {$350.00} for attorney fees I called and spoke with " Candy '' who assisted me in settling the debt. I agreed to an initial payment of {$320.00} which was processed and cleared. Along with this a second payment of {$340.00} for XX/XX/19. During this conversation I was told that they would reduce the price of legal fees by {$75.00} as long as they received payment in full with 10 days of being served the notice. Based on the total payments made, {$6.00} service fees withstanding, this agreement was not upheld. 

On XX/XX/19 I received a phone call from THE CHERRINGTON FIRM, LLC asking to process the payment. They made no mention of the automatic payment failing but I later found this to be the case. When I spoke with them I authorized a payment of {$340.00} which should of settled my account. Later on XX/XX/19 a second payment of {$340.00} was charged to my account. I called immediately upon noticing the additional charge, but there office had closed for the evening and subsequent weekend. 

I Spoke with the office on the morning of XX/XX/19 explaining what happened and that the erroneous charge had caused my rent payment for the month to fail. They said the money would be refunded immediately. 

I drove down to the office of THE CHERRINGTON FIRM, XXXX on XX/XX/19 to receive in writing the amount that was being refunded in order to avoid any issues with my property management company. When I was being told what happened they stated that is common practice in there office to rerun any denials on credit card transactions later that same day. Despite my account being paid in full the card was reran and charged for money that was not owed. 

The charge for {$340.00} was refunded in full on XX/XX/19 though the returned rent payment has already incurred a fee and any other outstanding fees caused by this incident are still forthcoming.
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OH)

SOUTHWEST CREDIT SYSTEMS Im writing because I noticed that my most recent credit report contains an account that was already PAID/SETTLED reported on XX/XX/2018 for my account. 
I want you to know that I understand my financial obligations, and if it werent for PERSONAL HEALTH ISSUES Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made good on the account Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a HOME mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on Thank you for your consideration, and I hope youll approve my request.